Bridge Loans
Short-term bridge loan solutions help homeowners purchase the next property before selling the current one, creating flexibility for competitive offers, relocations, and high-value real estate transitions.
Golden Gate Lending Group helps buyers move confidently with bridge financing that lets you purchase before selling. From San Francisco’s competitive neighborhoods to Marin County and the wider Bay Area, our team structures short-term lending solutions for high-value homes, tight timelines, and non-contingent offers—so you can act quickly without rushing the sale of your current property.
Flexible bridge loan options for homeowners, buyers, and investors navigating time-sensitive real estate transitions.
Short-term bridge loan solutions help homeowners purchase the next property before selling the current one, creating flexibility for competitive offers, relocations, and high-value real estate transitions.
Buy-before-you-sell financing lets qualified buyers access equity and move ahead without a home sale contingency, helping them avoid rushed decisions in competitive purchase situations.
Owner-occupied bridge loans are structured for homeowners moving from one primary residence to another, with thoughtful review of equity, timeline, repayment strategy, and property goals.
Hard money bridge loans provide flexible, asset-focused financing for borrowers who need speed, alternative underwriting, or short-term capital to complete a time-sensitive real estate purchase.
Fix and flip bridge loans support investors purchasing, renovating, and reselling properties with short-term financing built around project timing, collateral value, and a clear exit plan.
Gap and interim financing helps cover temporary funding needs between transactions, giving buyers and investors breathing room while a sale, refinance, or longer-term loan is finalized.
We start with a focused consultation to understand your goals, equity position, target property, and sale timeline. For Bay Area buyers, we also consider neighborhood competitiveness and whether a non-contingent offer could improve your position.
Helping Bay Area buyers move quickly, make stronger offers, and transition between homes with confidence.
"Sofia and Emma are a great team to work with. Fast, reliable, professional, all describe my experience with Golden Gate Lending.<br>They have helped my clients on multiple short term bridge loans over the last six years, and they take care to make sure their experience is excellent.<br>Often taking the time..."
"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..."
"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 and Emma are a great team to work with. Fast, reliable, professional, all describe my experience with Golden Gate Lending.<br>They have helped my clients on multiple short term bridge loans over the last six years, and they take care to make sure their experience is excellent.<br>Often taking the time..."
"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..."
"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 and Emma are a great team to work with. Fast, reliable, professional, all describe my experience with Golden Gate Lending.<br>They have helped my clients on multiple short term bridge loans over the last six years, and they take care to make sure their experience is excellent.<br>Often taking the time..."
"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..."
"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..."
Work with a lending team built for speed, strategy, and complex real estate timelines.
Over $1B funded and 500+ families helped through important home financing decisions.
Deep knowledge of San Francisco, Marin, Peninsula, Silicon Valley, and Wine Country markets.
Bridge loan pre-approval is often available within 12–24 hours for urgent offers.
Trusted by Compass, Coldwell Banker, and Sotheby’s agents for high-value Bay Area transactions.
Experienced Bay Area lending support for complex home transitions.
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.
Bridge financing costs typically include interest-only payments during the loan term, plus lender, title, escrow, appraisal, and closing-related fees. Exact costs depend on loan size, equity, property type, and timeline. Golden Gate Lending Group structures bridge loans for 6–12 month terms and reviews the full cost picture upfront so borrowers understand payment obligations and repayment strategy.
Get clear answers before making your next offer.
Ranked among the top 30 nationwide in bridge lending.
Recognized BBB accreditation for trusted service.
Ranked among leading private originators.
Tell us about your purchase timeline, current home equity, and target property. Our team will review your scenario and explain practical bridge financing options.
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.