Buy First.
Move Once.
Sell Smart.

Bridge loans across California, so you can buy your next home before selling the one you own.

Scotsman Guide 2026California's #1 consumer bridge lender Top 30 private originator nationwide, Scotsman Guide 2026

Start here

Which one of these is you?

Every bridge loan starts with a liquidity problem. Pick the one that sounds like yours.

Situation 01 I want to buy first. I have not sold yet. BuySell Some clients have lost three offers to buyers with no contingency. Some walked into an open house on Sunday and have to move now. Some simply want to be approved and out shopping as a cash buyer. It is one problem underneath: the money is in the house you still own. Buy Before You Sell →
Situation 02 I am rightsizing and I do not want to move twice. Move onceSell after Buy the home that fits next, move once, and put decades of built-up equity to work instead of waiting on a sale. Rightsizing →
Situation 03 I am in escrow and my lender pulled out. TodayClose Tell us where things stand and you will get a real answer quickly. If there is a way through, we will find it. Save The Deal →
500+Clients and families served
$1B+In closed loans
30+Years of experience
#1Consumer bridge lender in California

In their words.

★★★★★5.0110 Google reviews
★★★★★ “I had no clue how to do a bridge loan and Sofia and her team were positively exceptional in helping me. They walked me through every part of the process and couldn't have been more professional.” Anthony Flum  ·  Google review
★★★★★ “My clients were in a tough spot. They wanted a home very badly but were up against all cash buyers. … In around 48 hours, Sofia performed an absolute miracle. She turned our stress into GREAT SUCCESS. We WON! My clients were able to purchase their dream home!” Jason Lewis  ·  Google review
★★★★★ “I recently brought Sofia into a transaction after another lender was unable to perform, and she immediately stepped in, assessed the situation, and got the deal back on track.” Miriam Wells  ·  Google review

A story we tell first

He found us on ChatGPT, and bought the house for $500,000 less.

He had already lost it to two higher offers when the winning one collapsed. The seller would come back to him only if he could close in fourteen days with nothing contingent on selling his own home, which he had not sold. The listing agent was not going to counter at all, until we called and walked them through how a bridge loan actually works. He closed on time, paid about $500,000 less than he had been prepared to, and sold his own home for roughly $500,000 more than he expected.

Read all sixteen stories →

Sending us a client?

Much of our work comes through agents, brokers and advisors.

Real estate agents

Your buyer keeps losing to non-contingent offers, or they have no liquidity and need to compete with cash. We can tell you in a day whether your client is fundable. For agents →

Mortgage brokers and lenders

Clients who are equity rich but do not fit the box, or a loan that fell apart mid-escrow. We lend where you cannot, and we do not touch your client relationship. For brokers →

CPAs, advisors and estate attorneys

Clients with strong investment portfolios, or stock that has not come liquid yet, who need cash now without selling at the wrong moment or triggering a taxable event. For advisors →

What actually happens next.

Three steps, and no application fee to find out.

01Tell us your situation Where you are, what you own, and what you are trying to buy. Four questions in the qualifier, or book a call.
02Get a real answer, fast A number, the terms, and whether this works at all. If it does not work you hear that quickly and you hear why, instead of waiting three weeks to find out.
03Close on the new house Buy without a sale contingency, move once, then sell on your own timeline and pay the loan off at close of escrow, or refinance into a long-term mortgage.
Already know you want a bridge loan? Skip the talking and start the process now. Start your application

The Buying Power qualifier

See your bridge loan amount before you talk to anyone.

Four questions about the home you own and the one you want. That is it. We do not ask for anything else until after you have seen your answer.

See your buying power
Step 2 of 3 · Your current home
What is it worth todayYour best estimate
What do you still oweYour balance
When do you need fundingYour timeline
Your estimated buying power Your range Based on 65 to 70% across both properties. An estimate, not a commitment to lend.
Illustration only. We confirm the final figures once your numbers are real.

Who you will be talking to

Your loan never leaves our hands, start to funded.

We are a direct lender. Underwriting, processing, funding and servicing all happen in house, so your loan is never handed off to a stranger halfway through and nobody has to wait on an outside committee for an answer. Sofia and Emma are who you talk to. The processors, underwriters and closers behind them are ours as well.

Meet the team →
Video placeholder Sofia Nadjibi explains how a bridge loan works Sofia, 60 seconds
How this actually works
Sofia Nadjibi, MBA
Broker Owner Sofia Nadjibi, MBA More than 25 years in mortgage lending and a specialist in owner-occupied bridge financing, structuring loans from $1M to $15M. Originally from Sweden, she moved to the Bay Area in 1995. DRE #01405277  ·  NMLS #241012
Emma Murphy
Chief Operating Officer Emma Murphy Born and raised in Marin County, Emma looks after marketing, business development and the firm's broker and agent relationships, and now processes loans alongside Sofia. emma@gglendinggroup.com

Partners we work with

SideSERHANT.CompassKeller Williams Coldwell BankerEngel and Voelkers InteroWells Fargo ChaseCiti Bank of AmericaPNC Bank US BankVanguard

Recent from the library

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Property photography: The House

All articles →
Sofia Nadjibi, MBA
Ten minutes with a bridge loan expert. Bring your situation and rough numbers. You will know whether this works before you fill anything in.
Book a call or call (415) 706-8465
(415) 706-8465 See your buying power
Golden Gate Lending Group DRE #01405277  ·  NMLS #241012 Equal Housing Opportunity
Scotsman Guide Top Private Originators 2026 Better Business Bureau Accredited Business Equal Housing Opportunity
SituationsBuy Before You Sell RightsizingSave The Deal
LoansOwner-Occupied Bridge Fix and Flip / InvestmentFounder Capital BridgeHard Money Bridge
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Talk to us(415) 706-8465 81 Casa Buena Dr, Suite 5, Corte Madera, CA 94925