Hard Money Bridge Loans
Short-term, asset-focused financing designed to help eligible borrowers access capital when conventional timelines or approval requirements do not fit the transaction.
Explore flexible second lien mortgage lending options with Golden Gate Lending Group. Our experienced team helps qualified homeowners and real estate clients evaluate equity, existing financing, and short-term funding needs with clarity. From competitive Bay Area purchases to strategic property transitions, we provide responsive guidance and thoughtfully structured lending solutions designed around your timing and financial goals.
Explore flexible bridge and short-term financing options structured around property equity, purchase timing, and transition needs.
Short-term, asset-focused financing designed to help eligible borrowers access capital when conventional timelines or approval requirements do not fit the transaction.
Bridge financing that can help homeowners pursue a new purchase before selling their current property, reducing pressure to rush a listing decision.
Financing options for owner-occupied property transitions, structured to help qualified homeowners bridge the gap between their current and next residence.
Flexible, time-limited financing for borrowers who need capital during a sale, refinance, property upgrade, relocation, or other transition.
Targeted financing intended to cover a funding gap between available equity, an expected property sale, and the timing of a planned purchase.
Interim loan solutions that provide temporary capital while a longer-term exit, such as a home sale or refinance, is completed.
A second lien mortgage may provide a way to access available home equity without replacing an existing first mortgage. Golden Gate Lending Group reviews the full financing picture, including property value, current debt, equity position, income, and planned repayment strategy. For Bay Area homeowners navigating high-value properties or a time-sensitive move, our team helps identify whether a bridge-oriented, gap, or interim financing structure supports the transaction.
See how thoughtful financing guidance supports complex property transitions and purchase goals.
"I used Golden Gate Lending twice last year to help clients buy a home before they sold- no one wants to move twice- their rates were fantastic. Service was extraordinary! Sofia was are kind, quick and so helpful. These clients could not have bought with out their service!!"
"Our experience arranging a bridge loan with Golden Gate Lending was excellent. We had an opportunity to bid on a probate trust sale on a newly listed home, but the sellers only allowed 7 days for submitting offers and the trust wanted to close in15 days. Local lenders here in..."
"Working with Sofia was an excellent experience. She was reliable, timely and accessible during the many steps in the lending process. She also kept in touch close touch with my real estate agent and title company. Communications--phone, email and text--were handled with great professionalism. Sofia was also a very kind,..."
"I have nothing but good things to say about Sofia and her team. Friendly and professional. I've been burned by multiple loan brokers in the past so I am always dubious. These guys are simply the Best."
"Golden Gate Lending is hands down the best Bridge Loan lender I have ever worked with. They are my go too, not only because they do a great job, but they are also friendly, realistic, and provide amazing service. I would recommend them to all my family & friends. That..."
"Sofia was were super accommodating with a tight closing timeline on my home purchase. I manage a few investment partnerships and they understood my unique income situation almost immediately - unlike a bunch of the bigger banks. A great resource for bridge lending."
"I used Golden Gate Lending twice last year to help clients buy a home before they sold- no one wants to move twice- their rates were fantastic. Service was extraordinary! Sofia was are kind, quick and so helpful. These clients could not have bought with out their service!!"
"Our experience arranging a bridge loan with Golden Gate Lending was excellent. We had an opportunity to bid on a probate trust sale on a newly listed home, but the sellers only allowed 7 days for submitting offers and the trust wanted to close in15 days. Local lenders here in..."
"Working with Sofia was an excellent experience. She was reliable, timely and accessible during the many steps in the lending process. She also kept in touch close touch with my real estate agent and title company. Communications--phone, email and text--were handled with great professionalism. Sofia was also a very kind,..."
"I have nothing but good things to say about Sofia and her team. Friendly and professional. I've been burned by multiple loan brokers in the past so I am always dubious. These guys are simply the Best."
"Golden Gate Lending is hands down the best Bridge Loan lender I have ever worked with. They are my go too, not only because they do a great job, but they are also friendly, realistic, and provide amazing service. I would recommend them to all my family & friends. That..."
"Sofia was were super accommodating with a tight closing timeline on my home purchase. I manage a few investment partnerships and they understood my unique income situation almost immediately - unlike a bunch of the bigger banks. A great resource for bridge lending."
"I used Golden Gate Lending twice last year to help clients buy a home before they sold- no one wants to move twice- their rates were fantastic. Service was extraordinary! Sofia was are kind, quick and so helpful. These clients could not have bought with out their service!!"
"Our experience arranging a bridge loan with Golden Gate Lending was excellent. We had an opportunity to bid on a probate trust sale on a newly listed home, but the sellers only allowed 7 days for submitting offers and the trust wanted to close in15 days. Local lenders here in..."
"Working with Sofia was an excellent experience. She was reliable, timely and accessible during the many steps in the lending process. She also kept in touch close touch with my real estate agent and title company. Communications--phone, email and text--were handled with great professionalism. Sofia was also a very kind,..."
"I have nothing but good things to say about Sofia and her team. Friendly and professional. I've been burned by multiple loan brokers in the past so I am always dubious. These guys are simply the Best."
"Golden Gate Lending is hands down the best Bridge Loan lender I have ever worked with. They are my go too, not only because they do a great job, but they are also friendly, realistic, and provide amazing service. I would recommend them to all my family & friends. That..."
"Sofia was were super accommodating with a tight closing timeline on my home purchase. I manage a few investment partnerships and they understood my unique income situation almost immediately - unlike a bunch of the bigger banks. A great resource for bridge lending."
Experience, responsiveness, and local market perspective guide every financing conversation.
Founder Sofia Nadjibi brings more than 25 years of mortgage lending experience.
The firm has funded over $1 billion and helped more than 500 families.
Local knowledge supports nuanced financing decisions across San Francisco and surrounding luxury markets.
Established relationships with Compass, Coldwell Banker, and Sotheby’s agents strengthen transaction coordination.
Experienced guidance for complex Bay Area financing decisions.
Founder
Sofia Nadjibi, MBA, is the founder of Golden Gate Lending Group, bringing more than 25 years of mortgage lending experience and deep expertise in California’s luxury real estate market. She specializes in owner-occupied bridge financing, structuring strategic loan solutions from $1M to $15M. Under her leadership, Golden Gate Lending Group has closed nearly $1 billion in loans. Originally from Sweden, Sofia moved to the Bay Area in 1995 and earned her MBA with a focus on Finance and Real Estate. Known for her strategic, personalized approach, she helps clients navigate complex transactions with clarity, confidence, and discretion.
Marketing Director and Loan Support
Emma Murphy is the Marketing Director and Loan Support professional at Golden Gate Lending Group, supporting marketing strategy, business development, partner relationships, and client experience. Born and raised in Marin County, Emma brings a strong understanding of the Bay Area real estate landscape and a passion for building meaningful industry connections. She joined the firm while completing her undergraduate degree, initially supporting outreach and brand development before transitioning into a full-time role. Today, Emma helps lead agent engagement, digital marketing, and events while strengthening the firm’s market presence and delivering thoughtful, professional support to clients and partners.
Credit score expectations for a second mortgage vary by loan type, lender, occupancy, debt-to-income ratio, available equity, and repayment plan. A stronger score can improve approval options and terms, but it is only one part of the review. Lenders also examine payment history, income documentation, property value, first-mortgage balance, and the combined loan-to-value ratio before making a decision.
Speak with our team about your equity and timing.
Leading California bridge lending recognition.
Accredited for trusted customer service.
Ranked #30 nationwide in 2026.
Share your property, equity, and timing goals. Our team will help you understand relevant next steps and potential financing structures.
For immediate assistance, feel free to give us a direct call at +1 415-706-8465.
For immediate assistance, feel free to give us a direct call at +1 415-706-8465.