About Golden Gate Lending Group | Sofia Nadjibi, MBA

Golden Gate Lending Group is a Bay Area based bridge lender and California's #1 consumer bridge lender, founded by Sofia Nadjibi, MBA and based in Corte Madera. We are a direct lender: underwriting, processing, funding and servicing all happen in house.

Sofia Nadjibi, MBA

Sofia Nadjibi, MBA is the founder and driving force behind Golden Gate Lending Group. With more than 25 years of experience in mortgage lending, she has built her career around helping clients navigate California's competitive luxury real estate market.

A recognized expert in owner-occupied bridge financing, Sofia specializes in structuring loan solutions ranging from $1M to $15M. Originally from Sweden, she relocated to the Bay Area in 1995, where she discovered her passion for real estate finance while earning her MBA with a focus on finance and real estate.

DRE #01405277 · NMLS #241012

Broker Owner

Emma Murphy

Emma Murphy is Chief Operating Officer at Golden Gate Lending Group, responsible for how loans move through the firm as well as its marketing, business development and partner relationships. Born and raised in Marin County, she brings a deep understanding of the Bay Area real estate landscape and a genuine passion for building strong connections within the brokerage and lending communities.

She processes loans alongside Sofia, runs the firm's relationships with brokers and agents, and keeps a transaction moving between the people who have to touch it. Clients deal with two names; Emma is the one making sure the rest of the machinery keeps pace.

Chief Operating Officer

California#1Consumer bridge lender. Scotsman Guide 2026 ranks us the #1 bridge lender in California and a Top 30 private originator nationwide.

LicensedDRE and NMLSDRE #01405277, NMLS #241012. Consumer owner-occupied lending, held to the rules most private lenders avoid.

On Google5.0 · 110 reviewsFrom agents who send us their clients, and from the homeowners we helped into their next home.

Pricing2% capWe lend at wholesale pricing and cap our origination fee at 2 percent of the loan amount, charged on what you borrow rather than on what the house sells for. If you are being quoted more than that for a bridge loan, text us before you sign.

Why an offer from our borrower gets taken seriously

Two names on every file, both of them known to the agents on the other side of the table.

Twenty-five years in the same market Sofia has spent more than two decades lending in Bay Area residential real estate. The brokerages know her, and so do the agents on the other side of most of our transactions.

Listing agents know what our name on a file means Agents tell us the same thing repeatedly: an offer backed by us is treated as a serious one, because they have watched us close. That reputation belongs to our borrowers as much as to us.

110 reviews, 5.0 stars Most of them written by the agent on the other side of the table rather than by the borrower, which is the harder audience to please.

In their words

★★★★★5.0110 Google reviews

★★★★★

Their performance on closing the transaction was the best performance I have ever seen in my almost 50 years of practice. High integrity, accuracy in their representations, and outstanding client communication.

Brent Waldman · Google, 2026-02-26

★★★★★

I've had the pleasure of referring clients to Sofia Nadjibi and the Golden Gate Lending Group team for years, specifically for bridge loans. They are true experts in helping clients navigate the complexities of transitioning between homes.

Ryan Madden · Google, 2026-01-06

★★★★★

Their expertise in bridge loans and alternative strategies is unmatched, particularly when deals demand speed, precision, and creativity. They bring a level of insight and execution that gives both agents and homeowners a real advantage.

Zoe Frankel · Google, 2025-12-12

★★★★★

Sofia is our go-to for bridge loans, and for good reason. Her team operates with efficiency and precision, and her level of industry knowledge is unmatched.

Rick Warner · Google, 2025-12-11

★★★★★

My client initially started with a different lender who completely dropped the ball. Sofia stepped in, gathered all the pieces, was extremely professional and level headed throughout. We closed today and my clients are thrilled.

Denise Goertz · Google, 2025-10-27

Write a review · Read all 110

Questions about the firm

Who is Golden Gate Lending Group?

A Corte Madera, California bridge lender founded by Sofia Nadjibi, MBA, specializing in owner-occupied bridge loans that let homeowners buy before they sell.

Is Golden Gate Lending Group licensed?

Yes. DRE #01405277 and NMLS #241012, shown on every page of this site.

Where does Golden Gate Lending Group lend?

Across California, with most files in Marin County, San Francisco, Silicon Valley, the East Bay and Wine Country.

What is Golden Gate Lending Group known for?

Ranked the #1 bridge lender in California and a Top 30 private originator nationwide by Scotsman Guide in 2026, with 110 five-star Google reviews.

Golden Gate Lending Group Inc. · California DRE #01405277 · NMLS #241012 · Equal Housing Opportunity. Loans are made or arranged pursuant to a California Department of Real Estate license. This site is not a commitment to lend, and all loans are subject to underwriting and property approval.

A direct lender, with everything in house.

Sofia Nadjibi, MBA

Emma Murphy

Why an offer from our borrower gets taken seriously

In their words

Questions about the firm

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