Buy Before Selling
Buy your next home before selling your current property with short-term financing designed to reduce sale-contingency pressure and support stronger offers in competitive purchase situations.
Bridge loans from Golden Gate Lending Group help you buy before you sell, unlock equity, and make stronger non-contingent offers. Designed for luxury home transitions, probate trust sales, tight timelines, and competitive markets, our short-term financing solutions provide fast pre-approval, interest-only structures, and strategic guidance from Bay Area lending experts who understand high-value real estate.
Flexible bridge loan solutions for homeowners, investors, and buyers navigating timing gaps between transactions.
Buy your next home before selling your current property with short-term financing designed to reduce sale-contingency pressure and support stronger offers in competitive purchase situations.
Strategic owner-occupied bridge financing for homeowners moving into a new primary residence, with loan structures tailored around equity, timing, collateral, and repayment strategy.
Flexible hard money bridge loan options for time-sensitive transactions where speed, asset strength, and practical funding execution matter more than conventional lending timelines.
Short-term bridge financing for fix-and-flip projects, investment opportunities, and property transitions that require fast access to capital before a sale or refinance.
Gap and interim financing that helps cover the period between purchase, sale, refinance, or liquidity events, giving borrowers more flexibility during complex transactions.
Focused 30-minute consultations to evaluate your goals, current equity, target property, timeline, and whether a bridge loan structure makes sense for your move.
We start with a focused consultation to review your goals, equity position, target property, and sale timeline. This helps determine whether a bridge loan, gap financing, or another short-term solution fits your transaction.
Trusted by families, investors, and leading real estate partners across high-value California transactions.
"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 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."
"Golden Gate Lending Group provided an outstanding experience with my bridge loan. Their team was knowledgeable, responsive, and made the entire process seamless. They took the time to explain my options and found the perfect solution for my needs. If you’re looking for a reliable partner for bridge financing, I..."
"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..."
"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..."
"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 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."
"Golden Gate Lending Group provided an outstanding experience with my bridge loan. Their team was knowledgeable, responsive, and made the entire process seamless. They took the time to explain my options and found the perfect solution for my needs. If you’re looking for a reliable partner for bridge financing, I..."
"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..."
"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..."
"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 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."
"Golden Gate Lending Group provided an outstanding experience with my bridge loan. Their team was knowledgeable, responsive, and made the entire process seamless. They took the time to explain my options and found the perfect solution for my needs. If you’re looking for a reliable partner for bridge financing, I..."
"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..."
"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..."
Work with a lending team built for speed, strategy, and high-value real estate decisions.
Pre-approval often arrives within 12–24 hours for qualified, well-documented bridge loan scenarios.
Over $1B funded and 500+ families helped across sophisticated home financing needs.
Deep experience with Bay Area luxury neighborhoods, competitive offers, and complex property transitions.
Trusted by Compass, Coldwell Banker, and Sotheby’s agents serving discerning California buyers.
Experienced Bay Area lending professionals focused on strategic financing.
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 swing loan is another name for a bridge loan. It is short-term financing that helps homeowners purchase a new property before their current home sells. The loan can bridge the timing gap between buying and selling, often using equity in the existing home. At Golden Gate Lending Group, bridge loans are commonly structured for 6–12 months with interest-only payments.
Speak with our team about timing, equity, and loan options.
Ranked among the top 30 nationwide in bridge lending.
A+ rating reflects trusted client service.
Recognized among leading private loan originators.
Share your timeline, current home equity, and target property so our team can help evaluate a practical bridge loan path.
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.