Buy First Loans
Flexible bridge loans designed to help homeowners purchase their next property before selling their current one, reducing pressure and supporting stronger offers in competitive real estate situations.
Buy your next home before listing your current one with strategic bridge loan support from Golden Gate Lending Group. Designed for competitive real estate moves, luxury transitions, probate trust sales, and tight timelines, our Buy Before You Sell financing helps you make stronger, non-contingent offers while giving you time to sell wisely.
Flexible bridge financing options for buying first, selling smart, and moving forward with confidence.
Flexible bridge loans designed to help homeowners purchase their next property before selling their current one, reducing pressure and supporting stronger offers in competitive real estate situations.
Strategic owner-occupied bridge financing for borrowers moving from one primary residence to another, with loan structures tailored around equity, timeline, and repayment after sale or refinance.
Short-term hard money bridge loan options for time-sensitive purchases, complex transactions, and borrowers who need practical financing outside conventional mortgage timelines.
Gap financing helps cover the temporary funding difference between selling one property and closing on another, giving buyers more control over timing and negotiation strategy.
Short-term financing solutions with typical bridge loan terms of 6 to 12 months, often structured with interest-only payments until the existing home sells or is refinanced.
Focused 30-minute consultations to review your equity position, purchase timeline, target property, and whether bridge financing can support a stronger, faster offer.
We begin with a focused review of your current home equity, purchase goals, target property, and timeline. This helps determine whether Buy Before You Sell financing fits your strategy before you make a major offer.
See why discerning homeowners and leading agents trust Golden Gate Lending Group for complex real estate transitions.
"This team makes magic happen for buyers! As a Marin County Realtor, having the right lending partner is everything and Golden Gate Lending Group has completely changed the game for my clients.<br><br>Their luxury bridge loan program allows homeowners to buy before they sell, which is a huge advantage in today’s..."
"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 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..."
"This team makes magic happen for buyers! As a Marin County Realtor, having the right lending partner is everything and Golden Gate Lending Group has completely changed the game for my clients.<br><br>Their luxury bridge loan program allows homeowners to buy before they sell, which is a huge advantage in today’s..."
"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 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..."
"This team makes magic happen for buyers! As a Marin County Realtor, having the right lending partner is everything and Golden Gate Lending Group has completely changed the game for my clients.<br><br>Their luxury bridge loan program allows homeowners to buy before they sell, which is a huge advantage in today’s..."
"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 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..."
Golden Gate Lending Group combines lending expertise, speed, and discretion for high-stakes home transitions.
More than 25 years of mortgage lending expertise guiding complex California home purchases.
Over $1B funded and 500+ families helped through thoughtful lending strategies.
Trusted by Compass, Coldwell Banker, and Sotheby’s agents across premium Bay Area markets.
Pre-approvals often within 12–24 hours, with weekend support for urgent timelines.
Experienced lending guidance 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.
A buy now, sell later loan is typically a short-term bridge loan that lets you purchase a new home before selling your current one. It can unlock equity, support a stronger non-contingent offer, and give you time to sell strategically. Golden Gate Lending Group structures these loans with interest-only payments and repayment after sale or refinance.
Get clear answers before making your next offer.
Ranked among the top 30 nationwide in bridge lending.
A+ rating for trusted service.
Recognized among leading originators.
Share your current home, target purchase, and timeline. Our team will review your scenario and explain practical bridge loan 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.