Quick, Reliable and Trustworthy Private Lending for California Real Estate Investors

At First Bridge Lending, we understand real estate and how to make a direct loan happen fast. With our direct lending options, you not only get the advantage of our experience, but you also work with lenders of the highest integrity. We control every step of the loan process from origination to close. We have discretion over funds, produce our own loan documents, and do all of our underwriting in-house – no appraisal required. This enables us to fund a loan in as little as 3 business days.

Most of our loans are for purchase and refinance deals. We lend on rehab/construction projects, but we would only fund up to 60% of the as-is value and no additional funds for the construction costs.

  • NO Owner-Occupied Homes
  • NO Vacant Land
  • NO Ground-Up Construction Loans
  • NO High Leverage Loans over 60% LTV/LTP
  • NO 2nd or Junior Liens
Property Geographic Area Details
California only (most counties)
Loan Amounts
$100,000 to $10,000,000
Interest Rates
8.75% to 11.49%
Loan Terms
6 months to 24 months
Origination Fees
1% to 2%
Lien Position
1st
Credit Check Required

yes

We check credit but don't have a minimum score requirement.
Prepayment Penalty

no

Typical Closing Time (Days)

5

Property Types

  • 2-4 Units Residential
  • Commercial Condominium
  • Condominium
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Retail
  • Single Family Residence
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Residential Bridge

Specialty Loan Types

  • Line of Credit Single Property
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Long-Term Rental
  • Reverse 1031 Exchange
For rehab project, we do not fund any of the renovation/construction costs. We just fund 60% of the purchase price or refinance up to 55% of the as-is value.

Max Loan-to-Purchase Price

60%

Borrower Must Have Property Under Contract

yes

Will Provide Proof of Funds Letter

yes

Will Consider Lending on Purchase from Auction

yes

Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Gap Lender

Documents Fee

We collect a non-refundable $1,595 doc and processing fee.

Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Documents Fee

Details and Requirements

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
Will lend to a foreign national

yes

We would lend to a foreign national with a Tax ID#
Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

no

Borrower Entity Types Considered
  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
Documentation Required
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Appraisal Required for Residential Property

Never

Appraisal Required for Commercial Property

Never

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Collateral Types
  • Residential Property
  • Commercial Property
Loan Purpose
  • Investment Acquisition
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Invest in a Business
  • Business Working Capital
Property Occupancy
  • Vacant
  • Owner Occupied Commercial
Legal Disclaimer

First Bridge Lending is licensed by the CA Dept of Corporations CFL # 60DBO-77543 and CA DRE under FJM Capital, Inc. #01918610 DBA First Bridge Lending NMLS # 958346

Contact First Bridge Lending

First Bridge Lending pays us to be listed, so there is no fee to connect with them directly.
707-504-0890 707-504-XXXX
Click to show phone number
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A California Private Mortgage Fund

We focus on providing our customers with excellent service while helping them obtain the right direct loan for their needs. We aren’t just here for the one loan you need to make your investment work—we are here to help you time and time again as you continue to invest in real estate. When you need to move quickly to capitalize on a rare real estate opportunity, First Bridge Lending is the right team to work with.

Our fund’s managers bring more than 75 years of real estate investing and financing experience to the table. We pride ourselves on our in-depth industry knowledge and our integrity. We have funded loans that range from $100,000 to $5,000,000 on residential and commercial properties located in the Western states.

We have closed more than 2,000 loans totaling more than $1 billion since 2012.

License

CA DRE 01918610 | NMLS 958346 | CFL 60DBO-77543

Company Size (Number of Employees)

14

Year Established

2012

Associations

  • California Mortgage Association - Member

Office Locations

5341 Old Redwood Highway Suite 200 , Petaluma, CA 94954

Primary Capital Source
  • Own Funds
  • Individual Investors
Alternative Capital Sources
  • Bank Credit Line
Loan Structure for Majority of Loans
  • Own Balance Sheet
Percentage of Loans Secured by Commercial Property

10.02%

Percentage of Loans Secured by Residential Property

88.97%

Total Number of Loans Funded to Date

3,528

Total Loan Volume Funded to Date

$2,013,387,055

Our Team

Michael Joseph

Partner

Louis Bardis

Partner

CA DRE Lic. # - 01887699
NMLS ID - 372531

Matt Moran

Partner

Brian Haines

Partner

CA DRE Lic. # - 01879626
NMLS ID - 2083974

Christopher Carey

Director of Originations

CA DRE Lic. # - 01212515
NMLS ID - 377644

Roxanna Amaya

Loan Originator

CA DRE Lic. # - 02073743
NMLS ID - 1804290

Contact First Bridge Lending

First Bridge Lending pays us to be listed, so there is no fee to connect with them directly.
707-504-0890 707-504-XXXX
Click to show phone number
Send email Create a Loan Request

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Receive our monthly newsletters with valuable insights and industry updates
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$100,000

Contact First Bridge Lending

First Bridge Lending pays us to be listed, so there is no fee to connect with them directly.
707-504-0890 707-504-XXXX
Click to show phone number
Send email Visit Website

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