Bridge Your Home Equity.
Buy First, Sell Later.

California’s #1 Consumer Bridge Lender | $1B Funded | 500+ Clients Served

Our #1 Goal is Simple:
Make This Process Easy for You

At Golden Gate Lending Group our mission is simple: helping you move into your next home with confidence and ease. We know dream homes won’t wait-and neither should you. With the ability to buy first and sell later, you gain access to your equity when you need it most. Our bridge loans create a smooth and stress free transition so you can focus on what really matters: settling into your next chapter effortlessly.

Partners We Work With:

5.0
Based on 73 Reviews
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Garrett Burdick
August 13, 2025

Golden Gate Lending and Sofia Nadjibi are true experts when it comes to Bridge Loans! I had a client who needed to move into her new home before putting her current house on the market, and Sofia’s team made it happen seamlessly. By tapping into the equity of her existing home, we were able to buy first and sell after—allowing plenty of time to prepare the home for sale properly and enabling my client to move without stress. This approach was a game-changer for her peace of mind and the success of the sale. A huge thank you to Sofia, Jamie, and Emma for their professionalism, expertise, and outstanding service. Highly recommend!

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Kathleen Brady
July 24, 2025

Sofia secured bridge financing in a very fast and efficient way in her professional way! I love working with her and always send my bridge financing clients her way. She is always available and on top of the process! I highly recommend her and her team!

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David Henderson
October 13, 2021

I was initially turned down by another lender when my real estate agent suggested I call Sofia. So glad I did. She got me approved for the loan and everything went smoothly from then on. She even tweaked the loan terms a bit at the last minute to help me win the bid for my new home. She and Antonio were so helpful and encouraging through the entire process. It was my first time doing a bridge loan, and I was pretty stressed out. They were knowledgeable, super competent, understanding and sympathetic. I felt like I was working with two friends. I’m loving my new home and so glad I went ahead with the loan.

Homeowner Problems we Solve

We know dream homes won't wait, so why should you?

Homeowner Problems

  • Equity tied up in current home
  • The stress and expense of moving twice
  • No easy access to cash when it is needed most
  • Risk of being homeless between moves
  • Contingent offers are rarely accepted

Bridge Loan Solutions

  • Unlock your home equity
  • Move once, with ease and confidence
  • Access cash quickly without selling first or liquidating other assets
  • Seamlessly transition into next home
  • Make a non-contingent, cash-like offer

Types of Loans We Specialize In

owner-occupied bridge loan

Buying your next home while still owning your current one can feel like a puzzle- but an owner occupied bridge loan helps you solve it. At Golden Gate Lending Group, we specialize in bridge financing designed for homeowners who want to move forward without waiting to sell first.

fix & flip bridge loan

Real estate investors know that timing and financing can make or break a project. A fix and flip loan is a short-term financing solution designed specifically for investors who purchase properties, renovate them, and sell for a profit. At Golden Gate Lending Group, we provide the capital and flexibility you need to move quickly and maximize your returns.

hard money bridge loan

In competitive real estate markets, speed can be the difference between winning and losing a deal. A hard money bridge loan is a fast, asset-based financing solution that allows borrowers to purchase or refinance a property quickly, often when traditional financing isn't an option.

Bringing Bay Area Realtors & Homebuyers Together to Learn & Grow

From bridge loan strategies and realtor listing-pitch sessions to homeowner seminars and market insights, Golden Gate Lending Group delivers the tools and inspiration to help professionals and clients succeed in today’s competitive market.

Areas We Serve

Marin County Bridge Loan

Marin County Bridge Loan

Larkspur, Kentfield, Tiburon, Ross, Greenbrae, Belvedere, Mill Valley, San Rafael, San Anselmo, Corte Madera, Novato, Fairfax, West Marin

San Francisco Bridge Loan

San Francisco Bridge Loan

Presidio Heights, Pacific Heights, Sea Cliff, Nob Hill, Marina District, Russian Hill, Cow Hollow, Noe Valley, St Francis Wood, Cole Valley, Laurel Heights, San Francisco Peninsula

Silicon Valley Bridge Loan

Silicon Valley Bridge Loan

Atherton, Palo Alto, Los Altos Hills, Los Altos, Los Gatos, Menlo Park, Portola Valley, Woodside, Hillsborough, Saratoga, Hillsborough, Cupertino, San Mateo, Mountain View, San Jose

East Bay Bridge Loan

East Bay Bridge Loan

Walnut Creek, Orinda, Lafayette, Moraga, Danville, Piedmont, Alamo, Diablo, Pleasanton, Corte Madera

Wine Country Bridge Loan

Wine Country Bridge Loan

Napa, St Helena, Calistoga, Yountville, Healdsburg, Oakville, Sonoma, Sebastopol, Kenwood, Fountaingrove, Geyserville, Glen Ellen

Southern California Bridge Loan

Southern California Bridge Loan

Los Angeles, Orange County, San Diego, Santa Barbara, Carmel Valley, Beverley Hills, Malibu/Pacific Palisades, Newport Beach, La Jolla, Rancho Santa Fe, Montecito, Calabasas, Laguna Beach

discover the power of bridge loans!

Are you a real estate agent or mortgage broker who’s losing clients?

How many commissions have you lost because of an unexpected financing issue? How many clients have you wanted to help purchase a home, but you couldn’t?

Learn how to land more listings, win more contracts for your buyers in competitive situations, and save transactions in jeopardy of collapsing with a surprising tool: bridge loans. Sofia Nadjibi, MBA of Golden Gate Lending Group is the leading originator of bridge loans in California.

our bridge loan process

1. Loan Consultation

Every successful home transition starts with the right conversation. Reach out by call, text, or email and we’ll arrange a 30-minute bridge loan consultation. During this call, we’ll get to know your goals, understand the details of your transaction, and answer any questions you may have. From there, our team will design a tailored bridge loan strategy that aligns with your needs and positions you for a smooth, confident move.

2. apply and get approved

Our bridge loan application is designed to be simple, fast (30-45min), and stress-free. With fewer documents required, you spend less time waiting and more time moving forward. Once submitted, your loan will be fully underwritten to ensure you receive the best possible terms for your transaction. Most clients receive approval within 24 hours, giving you the freedom to act quickly when the right opportunity arises. Complete the no-cost, no-commitment application below to start your seamless path to your next home.

3. make offer

When you’re ready to submit an offer, we’ll provide you and your real estate agent with a personalized approval letter that acts as a cash-like offer-giving you a competitive edge and the confidence to secure your dream home.

4. enter into contract and close

Once your offer is accepted, we move quickly so you can focus on the excitement of your next home. Our closing team works closely with your agent and all parties to ensure your bridge loan closes in 14 days (or on your time line). With everything aligned, your transition is fast, stress-free, and gives you peace of mind.

5. funding and closing dream home

With your bridge loan funded, you can move into your new home while your agent lists your current property. When that home sells, the sales proceeds are used to repay the bridge loan. If needed, we can guide you through refinancing options to align your financing with your long-term plans. With everything handled, you can settle into your new home effortlessly and enjoy this next chapter to the fullest.