Buy Before Sell
Buy your next home before selling your current one with short-term financing designed to support stronger, non-contingent offers and smoother timing between closings.
Move quickly on your next property without waiting for your current home to sell. Golden Gate Lending Group provides cash bridge loan services designed for competitive offers, luxury transitions, probate purchases, and tight timelines, with flexible structures, fast pre-approval, and experienced guidance from a Bay Area lending team that understands high-value real estate transactions.
Flexible bridge financing options for buyers, homeowners, and investors navigating time-sensitive real estate transactions.
Buy your next home before selling your current one with short-term financing designed to support stronger, non-contingent offers and smoother timing between closings.
Structured bridge financing for homeowners who plan to occupy the new property, with flexible collateral options and repayment after sale or refinance.
Flexible hard money bridge loans for time-sensitive opportunities, complex scenarios, or transactions where traditional financing timelines may not move quickly enough.
Short-term bridge financing for real estate investors acquiring, improving, and reselling properties, including tight-deadline purchases and value-add opportunities.
Interim lending solutions that help cover timing gaps between property purchases, sales, refinances, relocations, or other important real estate milestones.
Fast 30-minute consultations to evaluate your goals, equity position, target property, timing, and likely bridge loan options before you apply.
We begin with a focused conversation about your current home, target property, equity position, and timing. For Bay Area buyers, this often includes reviewing neighborhood competitiveness, offer deadlines, and whether a non-contingent strategy is appropriate.
Helping families and buyers move confidently through competitive, high-value real estate transitions.
"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."
"Sofia Nadjibi and team are a special group of talented and dedicated professionals who truly understand and exemplify the meaning of going above and beyond for their customers, their partners, vendors and their community as a whole. I highly recommend their services related to bridge loans and I also highly..."
"If you need a bridge loan, Sofia and her crew are THE team. Lightning-fast responses, total pros, and they make it so easy by handling all the details. Love these folks!!"
"Sofia is an absolute professional, and the best in the business for bridge loans. She helped a client recently with a very complicated bridge loan situation, and handled it with excellence. Highly recommended!"
"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."
"Sofia Nadjibi and team are a special group of talented and dedicated professionals who truly understand and exemplify the meaning of going above and beyond for their customers, their partners, vendors and their community as a whole. I highly recommend their services related to bridge loans and I also highly..."
"If you need a bridge loan, Sofia and her crew are THE team. Lightning-fast responses, total pros, and they make it so easy by handling all the details. Love these folks!!"
"Sofia is an absolute professional, and the best in the business for bridge loans. She helped a client recently with a very complicated bridge loan situation, and handled it with excellence. Highly recommended!"
"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."
"Sofia Nadjibi and team are a special group of talented and dedicated professionals who truly understand and exemplify the meaning of going above and beyond for their customers, their partners, vendors and their community as a whole. I highly recommend their services related to bridge loans and I also highly..."
"If you need a bridge loan, Sofia and her crew are THE team. Lightning-fast responses, total pros, and they make it so easy by handling all the details. Love these folks!!"
"Sofia is an absolute professional, and the best in the business for bridge loans. She helped a client recently with a very complicated bridge loan situation, and handled it with excellence. Highly recommended!"
Work with a lending team built for speed, strategy, and high-value transactions.
Over $1B funded and more than 500 families helped through important property decisions.
Pre-approval often available within 12–24 hours for urgent, competitive purchase timelines.
Deep experience with San Francisco luxury neighborhoods, Marin County, and broader Bay Area markets.
Trusted relationships with Compass, Coldwell Banker, and Sotheby’s agents support smooth transactions.
Experienced lending guidance for complex real estate moves.
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 cash bridge loan is short-term financing that helps you purchase a new home before your current home sells. Golden Gate Lending Group structures bridge loans to unlock equity, support non-contingent offers, and provide temporary interest-only payments. The loan is typically repaid when the existing home sells or is refinanced.
Get clear answers before making your next offer.
Ranked among the top 30 nationwide in bridge lending.
A+ BBB rating for trusted service.
Ranked among leading private originators.
Share your timing, current property details, and purchase goals. 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.