Cohen Financial Group Los Angeles

Cohen Financial Group Los Angeles Mortgage broker serving greater Los Angeles — Mark Cohen, ranked #1 in the U.S. Conventional, jumbo, Non-QM, FHA, refinance, HELOC, and commercial loans.

by Scotsman Guide, #2 by National Mortgage News, and #5 by HousingWire (all 2026).

September Interest Rate ForecastWelcome to my September newsletter. Yesterday's jobs report brought some genuinely encou...
09/08/2026

September Interest Rate Forecast

Welcome to my September newsletter. Yesterday's jobs report brought some genuinely encouraging news, and when you combine it with July’s inflation data and where the bond market is heading, the picture for mortgage rates is starting to look a little more defined than it did a month ago.

Nationally, mortgage rates edged higher again this week. According to Freddie Mac's September 3 survey, the 30-year fixed averaged 6.71%, up from 6.66% the prior week, while the 15-year fixed came in at 6.04%.

Here is where local rates stand this week:

- 5.625% on 7-year jumbo ARMs up to $5M with full income documentation, depending on LTV and credit
- 5.875% on 10-year jumbo ARMs up to $5M with full documentation, varying by structure and profile
- Bank-statement loans for self-employed borrowers remain in the mid-to-high 6% range, depending on credit score and loan to value
- Lower rates available through a private banking relationship

Yesterday's U.S. jobs report delivered a genuine surprise to the upside. The economy added 162,000 jobs in August, more than triple the 12-month average of 31,000 and significantly ahead of the 55,000 economists expected. The unemployment rate held at 4.1%, and average hourly earnings rose 0.3% for the month and 3.1% year-over-year.

July’s inflation data showed consumer prices rose just 0.1% for the month, with annual inflation at 3.4%. Core inflation, which strips out food and energy, came in at 2.5% year-over-year.

According to Realtor.com's July 2026 Los Angeles market report, the median list price is $1.1 million, down 4.5% from a year ago. Homes are taking a median of 52 days to sell, and 16% of listings have seen price cuts, a sign that sellers are adjusting to meet the market.

The opportunity right now is for buyers who are prepared and working with a lender who can move quickly when the right property appears.

Trust the #1 Mortgage Broker in the U.S.* to get your deal done.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

09/03/2026

A-paper financing at a below-market rate for a client with a 670 credit score.

With a 670 credit score, the borrower would not typically qualify for the most aggressive pricing. Through our banking relationship, we secured A-paper financing at a below-market rate.

📍 Venice, CA
🏠 $3,100,000 Home Purchase
📊 70% LTV Financing
🏦 7YR ARM
📉 5.81% Interest Rate | 5.92% APR

Comment “LOAN” to schedule your free consultation.

Trust the #1 Mortgage Broker in the U.S.* to get your deal done.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

09/02/2026

New Physician Loan Program: A Home Loan Program Built Around Your Career, Not Against It

Cohen Financial Group's new Physician Loan Program gives medical professionals in the Greater Los Angeles area more buying power, with less cash out of pocket.

Whether you're a resident buying your first home or an established physician upgrading in today's LA market, this program is designed to get you into the right property faster.

Loan-to-Value Snapshot

• 100% financing (no down payment) — Up to $1.5M loan amount
• 95% financing — Up to $2M loan amount
• 90% financing — Up to $2.5M loan amount

Qualification Snapshot

• DTI up to 45%
• 6 months PITI in reserves
• Minimum FICO 720

Ready to see what you qualify for?

Get pre-approved today.

Trust the #1 Mortgage Broker in the U.S.* to get your deal done.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

Market Analysis for the Week of August 31, 2026Mortgage markets were relatively quiet last week, as the major economic e...
08/31/2026

Market Analysis for the Week of August 31, 2026

Mortgage markets were relatively quiet last week, as the major economic events caused little reaction. A highly anticipated speech from Fed Chair Warsh avoided new forward guidance on monetary policy, the latest inflation data matched expectations, and mortgage rates finished slightly lower.

Over the past few months, long-term bond yields, including the yields that influence U.S. mortgage rates, have been moving higher around the world. Inflation remains elevated in many countries, and higher oil prices since the start of the conflict in the Middle East have added inflationary pressure.

Governments around the world are running large deficits and need to issue more debt to fund them. With more bonds competing for money from investors, yields generally need to rise to attract buyers.

Speaking from the Jackson Hole economic summit on Friday, Fed Chair Warsh expressed concern about elevated inflation levels while avoiding forward guidance on changing the federal funds rate.

Fed officials carefully monitor inflation, and the PCE price index is their favored indicator. As expected, core PCE in July was 3.3% higher than a year ago, the same annual rate as June.

Looking ahead, attention will remain fixed on the conflict in the Middle East. Investors also will monitor comments from Fed officials about future monetary policy.

Trust the #1 Mortgage Broker in the U.S.* to get your deal done.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

08/27/2026

Helping self-employed borrowers navigate complex financing situations is one of our specialties.

Whether it's a home purchase, refinance, or a scenario that traditional lenders can't accommodate, our goal is always the same: provide clear guidance, find the right solution, and deliver a smooth experience from start to finish.

Trust the #1 Mortgage Broker in the U.S.* to get your deal done.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

08/26/2026

Closed with Cohen: Monthly Recap

Over $62,650,000 in deal volume across 48 loans – another strong month for Cohen Financial Group.

From high-leverage purchases and interest-only loans to cash-out refinancing, we continue delivering financing solutions across a wide range of situations.

By the Numbers

- 48 Loans Closed
- Total Loan Volume: $62,650,000

Noteworthy Deals

- Sherman Oaks — $9.5M Home Purchase

80% LTV financing, 7YR ARM interest-only at 5.6% | 5.75% APR. Most banks cap 80% LTV financing at loan amounts of $3M or less. We secured 80% LTV financing above that threshold for this high-leverage borrower.

- Pasadena — $4.2M Home Purchase

80% LTV financing, interest-only loan at 6.75% | 6.878% APR. This high-leverage borrower needed an interest-only loan without relying on tax returns. We qualified the client using 12 months of bank statements and closed in 25 days.

- Venice — $3.1M Home Purchase

70% LTV financing, 7YR ARM at 5.81% | 5.92% APR. With a 670 credit score, the borrower would not typically qualify for the most aggressive pricing. Through our banking relationship, we secured A-paper financing at a below-market rate.

- Encino — $2M Investment Property Cash-Out Refinance

70% LTV financing at 6.75% | 6.88% APR. We completed a $2M cash-out refinance with approval based on rental income rather than tax returns or bank statements. The loan closed in less than 21 days.

- West Hollywood — $975K Condo Purchase

75% LTV financing, 30YR fixed-rate loan at 6.5% | 6.625% APR. Most banks would not lend until the building’s balcony repairs were completed. We navigated the property condition issue and secured financing without delaying the transaction.


Our clients get some of the best rates and terms available in Southern California, with quick closings and personal, hands-on service.

Comment “LOAN” to schedule your free consultation.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

Mortgage markets were pulled in different directions last week. Rising tensions in the Middle East pushed oil prices hig...
08/24/2026

Mortgage markets were pulled in different directions last week. Rising tensions in the Middle East pushed oil prices higher, which raised concerns about future inflation. That pressure was offset by the Treasury's announcement that it plans to significantly increase its purchases of longer-term government debt. Mortgage rates finished with little overall change.

One of the biggest developments was the continued growth of U.S. government debt, which topped $40 trillion last week, more than double the $19 trillion level from ten years ago. This added demand for bonds caused yields to decline, including yields on mortgage-backed securities, which was positive for mortgage rates.

In July, sales of previously owned homes slipped 2% from June but still were up slightly from a year ago. The median price of $434,100 was up 2% from last year. Inventory remains one of the biggest challenges for buyers.

After surging 19% in the prior month, overall housing starts in July plunged 13% from June, far more than expected. Single-family starts declined for the fourth straight month to the lowest level since November 2022 and are running 16% below last year's pace.

The big picture: For now, mortgage rates remain caught between competing forces.

Inflation concerns and elevated government debt are putting upward pressure on longer-term yields, while Treasury bond purchases are providing some support. Meanwhile, the housing market continues to face a combination of limited inventory, affordability challenges, and cautious builders.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

Hard to believe it’s college football season already…nothing like a night under the lights at the Coliseum.Excited for t...
08/20/2026

Hard to believe it’s college football season already…nothing like a night under the lights at the Coliseum.

Excited for the Trojans to have a great season ahead. Fight On!

08/19/2026

$9.5M home purchase. 80% LTV financing. High-leverage borrower.

Most banks cap 80% LTV financing at loan amounts of $3M or less. We secured financing above that threshold with 80% LTV for this high-leverage borrower.

📍 Sherman Oaks, CA

🏠 $9,500,000 Home Purchase

📊 80% LTV Financing

🏦 7 YR ARM Interest-Only

📉 5.6% Interest Rate | 5.75% APR

Comment “LOAN” to schedule your free consultation.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

Inflation Data Brings Good News for BorrowersMortgage markets were pulled in different directions last week. Increased t...
08/17/2026

Inflation Data Brings Good News for Borrowers

Mortgage markets were pulled in different directions last week. Increased tensions in the Middle East caused oil prices to climb, raising concerns about the outlook for future inflation. On the other hand, consumer spending slowed, and certain inflation measures came in softer than expected. Mortgage rates finished last week with little overall change.

Prices rose just 0.1% in July from June, right in line with expectations. On an annual basis, CPI was up 3.4%, down from 3.5% in June and the lowest level since March.

In July, Core CPI was 2.5% higher than a year ago, also down from last month. The July Producer Price Index (PPI) was 4.7% higher than a year ago, down from 5.5% the prior month and far below the consensus forecast.

Consumer spending also showed signs of moderating. After the temporary boost from larger than usual tax refunds faded, retail sales in July unexpectedly dropped 0.6% from June, far worse than the consensus forecast for a slight increase and the weakest monthly reading since May 2025.

The big picture: Inflation appears to be gradually cooling, while the economy continues to show resilience. Investors will be watching that balance closely for clues about the Federal Reserve's next moves and what those moves could mean for mortgage rates in the months ahead.

Looking ahead, attention will remain fixed on the conflict in the Middle East and the proposed deal to ease tensions. Investors also will monitor comments from Fed officials about future monetary policy.

We are proud to offer some of the best financing options available and can close quickly. Read our newsletter for more news and the latest mortgage rates. Call us today at 310.777.5401 for more details or apply for financing directly on our website - cohenfinancialgroup.com.

*Based on 2026 Scotsman Guide ranking.

Address

9595 Wilshire Boulevard, Suite 810
Beverly Hills, CA
90212

Telephone

+13107775401

Website

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