Hard Money Loans
Asset-based bridge financing for borrowers who need a practical path forward when traditional lending timelines or underwriting requirements do not fit the transaction.
Golden Gate Lending Group helps San Francisco homeowners unlock equity and buy their next residence before selling the current one. Our residential bridge loans create room to make stronger, non-contingent offers in competitive neighborhoods from Pacific Heights to Noe Valley. With personalized guidance, flexible structures, and responsive pre-approval, you can move on your timeline rather than rush a sale.
Flexible bridge financing options for San Francisco homeowners, buyers, and property investors navigating time-sensitive real estate transitions.
Asset-based bridge financing for borrowers who need a practical path forward when traditional lending timelines or underwriting requirements do not fit the transaction.
Use available equity to pursue your next home before listing the current one, helping you write a stronger non-contingent offer in San Francisco.
Strategic bridge financing for owner-occupied residences, structured to support a confident transition between homes without forcing a rushed sale.
Short-term loan structures typically ranging from six to 12 months, with interest-only payments during the term and repayment through sale or refinance.
Cover the timing gap between buying a replacement property and accessing proceeds from your existing home, with financing tailored to your equity position.
Bridge funding for investors purchasing, improving, and repositioning residential properties before a planned sale or longer-term refinance.
A residential bridge loan helps you access equity in your current property while moving decisively on the next one. Golden Gate Lending Group structures financing for San Francisco’s fast-moving, high-value market, where a clean offer can make a meaningful difference. Terms typically run six to 12 months with interest-only payments, and repayment occurs when your present home sells or is refinanced.
See how clients have moved forward confidently in competitive Bay Area real estate transactions.
"Working with Sofia at Golden Gate Lending was an outstanding experience. From our initial consultation to successfully securing the bridge loan, their professionalism and expertise were evident every step of the way. Transparent, efficient, and committed to getting the best deal, I can confidently say that Golden Gate Lending truly..."
"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..."
"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..."
"Sofia and her team were an absolute delight to work with. They made the process of our obtaining a bridge loan to finance our dream home as easy as possible. I recommend them without hesitation to anyone looking for specialized financing."
"I am a 70-something retired lawyer who - over the years - has bought and sold 12 properties in California, Texas, New York, and Canada. But only now, in 2025, did I have the good fortune to find a truly outstanding, competent, and customer-friendly lending company: THE GOLDEN GATE LENDING..."
"I worked with Sofia on a bridge loan and my experience with her and her team was outstanding. She was always accessible, thorough and kept me informed of next steps. Importantly, she kept my best interest ahead of all else and was helpful in supporting my loan search even if..."
"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..."
"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."
"I highly recommend Golden Gate Lending Group for bridge loans in California. Sofia was were fantastic—knowledgeable, professional, and always available to answer questions. They made the process smooth and stress-free. If you need a reliable lending team, this is the place to go!"
"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 is hands down the best Bridge Loans Mortgage Lender in San Francisco!<br>Her personalized approach, clear communication, and commitment to securing the best bridge loan for us makes the Golden Gate lending Group the stand out Mortgage Lender in San Francisco.If you need a bridge loan anywhere in California don’t..."
"If you're in the Bay Area of San Francisco and need a bridge loan, I wholeheartedly recommend Sofia at the Golden Gate Lending Group. Their professionalism, knowledge, and dedication to their clients make them the best bridge loan provider in the business. I am extremely grateful for their<br>assistance in securing..."
"Outstanding team - they helped us close on a home in 2 weeks. The daily check-ins were excellent. Expensive service but ultimately gives you an edge in the competitive SF housing market."
"GGLG matched me with a private investor for a bridge loan that enabled me to bid confidently on a house. The experience couldn't have been better! GGLG guided me through the whole process, thoroughly explaining every step, thoughtfully answering all of my (repeated!) questions, and carefully reviewing the details. A..."
"I worked with him on a bridge loan while transitioning from my previous home to my new home. He was nothing less than perfect with communication, keeping me informed throughout the process, and, most importantly, being extremely responsive. This has been such a wonderful experience, and I highly recommend doing..."
"Working with Sofia at Golden Gate Lending was an outstanding experience. From our initial consultation to successfully securing the bridge loan, their professionalism and expertise were evident every step of the way. Transparent, efficient, and committed to getting the best deal, I can confidently say that Golden Gate Lending truly..."
"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..."
"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..."
"Sofia and her team were an absolute delight to work with. They made the process of our obtaining a bridge loan to finance our dream home as easy as possible. I recommend them without hesitation to anyone looking for specialized financing."
"I am a 70-something retired lawyer who - over the years - has bought and sold 12 properties in California, Texas, New York, and Canada. But only now, in 2025, did I have the good fortune to find a truly outstanding, competent, and customer-friendly lending company: THE GOLDEN GATE LENDING..."
"I worked with Sofia on a bridge loan and my experience with her and her team was outstanding. She was always accessible, thorough and kept me informed of next steps. Importantly, she kept my best interest ahead of all else and was helpful in supporting my loan search even if..."
"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..."
"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."
"I highly recommend Golden Gate Lending Group for bridge loans in California. Sofia was were fantastic—knowledgeable, professional, and always available to answer questions. They made the process smooth and stress-free. If you need a reliable lending team, this is the place to go!"
"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 is hands down the best Bridge Loans Mortgage Lender in San Francisco!<br>Her personalized approach, clear communication, and commitment to securing the best bridge loan for us makes the Golden Gate lending Group the stand out Mortgage Lender in San Francisco.If you need a bridge loan anywhere in California don’t..."
"If you're in the Bay Area of San Francisco and need a bridge loan, I wholeheartedly recommend Sofia at the Golden Gate Lending Group. Their professionalism, knowledge, and dedication to their clients make them the best bridge loan provider in the business. I am extremely grateful for their<br>assistance in securing..."
"Outstanding team - they helped us close on a home in 2 weeks. The daily check-ins were excellent. Expensive service but ultimately gives you an edge in the competitive SF housing market."
"GGLG matched me with a private investor for a bridge loan that enabled me to bid confidently on a house. The experience couldn't have been better! GGLG guided me through the whole process, thoroughly explaining every step, thoughtfully answering all of my (repeated!) questions, and carefully reviewing the details. A..."
"I worked with him on a bridge loan while transitioning from my previous home to my new home. He was nothing less than perfect with communication, keeping me informed throughout the process, and, most importantly, being extremely responsive. This has been such a wonderful experience, and I highly recommend doing..."
"Working with Sofia at Golden Gate Lending was an outstanding experience. From our initial consultation to successfully securing the bridge loan, their professionalism and expertise were evident every step of the way. Transparent, efficient, and committed to getting the best deal, I can confidently say that Golden Gate Lending truly..."
"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..."
"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..."
"Sofia and her team were an absolute delight to work with. They made the process of our obtaining a bridge loan to finance our dream home as easy as possible. I recommend them without hesitation to anyone looking for specialized financing."
"I am a 70-something retired lawyer who - over the years - has bought and sold 12 properties in California, Texas, New York, and Canada. But only now, in 2025, did I have the good fortune to find a truly outstanding, competent, and customer-friendly lending company: THE GOLDEN GATE LENDING..."
"I worked with Sofia on a bridge loan and my experience with her and her team was outstanding. She was always accessible, thorough and kept me informed of next steps. Importantly, she kept my best interest ahead of all else and was helpful in supporting my loan search even if..."
"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..."
"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."
"I highly recommend Golden Gate Lending Group for bridge loans in California. Sofia was were fantastic—knowledgeable, professional, and always available to answer questions. They made the process smooth and stress-free. If you need a reliable lending team, this is the place to go!"
"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 is hands down the best Bridge Loans Mortgage Lender in San Francisco!<br>Her personalized approach, clear communication, and commitment to securing the best bridge loan for us makes the Golden Gate lending Group the stand out Mortgage Lender in San Francisco.If you need a bridge loan anywhere in California don’t..."
"If you're in the Bay Area of San Francisco and need a bridge loan, I wholeheartedly recommend Sofia at the Golden Gate Lending Group. Their professionalism, knowledge, and dedication to their clients make them the best bridge loan provider in the business. I am extremely grateful for their<br>assistance in securing..."
"Outstanding team - they helped us close on a home in 2 weeks. The daily check-ins were excellent. Expensive service but ultimately gives you an edge in the competitive SF housing market."
"GGLG matched me with a private investor for a bridge loan that enabled me to bid confidently on a house. The experience couldn't have been better! GGLG guided me through the whole process, thoroughly explaining every step, thoughtfully answering all of my (repeated!) questions, and carefully reviewing the details. A..."
"I worked with him on a bridge loan while transitioning from my previous home to my new home. He was nothing less than perfect with communication, keeping me informed throughout the process, and, most importantly, being extremely responsive. This has been such a wonderful experience, and I highly recommend doing..."
Local market knowledge and strategic lending support for complex residential transitions.
Founder-led guidance draws on more than 25 years of mortgage lending experience.
Over 500 families helped and more than $1 billion funded across California.
Specialized knowledge supports high-value purchases across San Francisco’s premier neighborhoods.
Fast pre-approvals, often within 12–24 hours, help buyers compete when timing matters.
Experienced lending guidance for your next residential move.
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 loan interest rates are determined individually and can vary based on the property, available equity, loan amount, repayment plan, credit profile, and overall transaction complexity. Golden Gate Lending Group does not publish a single standard rate. During a consultation, the team reviews your scenario and explains the proposed rate, interest-only payment structure, loan term, and applicable costs before you proceed.
Speak with our team about your equity, timing, and purchase plans.
Bridge loan guidance for San Francisco homeowners and buyers throughout the Bay Area and surrounding markets.
San Francisco
Primary Market
Bay Area & Beyond
Regional Coverage
7 Days
Weekly Availability
Ask our team about bridge loan options for your property.
Leading California consumer bridge lending provider.
Accredited for trusted client service.
Ranked #30 nationwide in 2026.
Share your current home, target property, and timing. Our team will help you explore a bridge financing structure aligned with your transition.
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.