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 70% 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 70% LTV/LTC
  • No 2nd or Junior Liens

Property Geographic Area Details

California only (most counties)

Loan Amounts

$100,000 to $10,000,000

Interest Rates

7.75% to 9.99%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1% to 2%

Loan Terms

6 months to 24 months

Lien Position

  • 1st

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

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

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
  • Commercial Bridge
  • Residential Bridge

Specialty Loan Types

  • Residential Long-Term Rental
  • Reverse 1031 Exchange
  • Line of Credit Single Property
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out

Purchase Loan

For rehab project, we do not fund any of the renovation/construction costs. We just fund 70% of the purchase price or refinance up to 65% of the as-is value.

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

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

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


Will lend to a foreign national


We would lend to a foreign national with a Tax ID#

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation

Documentation Required

  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Documents Fee

We collect a non-refundable $995 doc and processing fee.

Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Documents Fee

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

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.


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

Company Size (Number of Employees)


Year Established



  • California Mortgage Association - Member

Office Locations

1372 N MacDowell Blvd Ste D, 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


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Buy and Hold


Percentage of Residential Property Loans Which are Owner-Occupied


Percentage of Loans Secured by Land


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2017 Number of Loans Funded


2017 Loan Volume Funded


2018 Number of Loans Funded


2018 Loan Volume Funded


Michael Joseph


After graduating from Lafayette College and then obtaining an MBA from the Wharton School in 1982, Michael Joseph began his career in real estate as a lender for Continental Illinois National Bank. Two years later, he moved into commercial mortgage brokering and spent the subsequent nineteen years working with a variety of firms, arranging billions of dollars of construction loans, permanent loans, and joint ventures. He also became a private money lender for his own account, an activity he has successfully undertaken for the past twenty-five years.

Louis Bardis


Louis Bardis began his real estate career in 2005 with Benchmark Lending Group, Inc. In 2010, Mr. Bardis began working for a small private lending brokerage in Marin County, CA, where he selected and underwrote loan opportunities for high–net worth clients. In 2012, Mr. Bardis partnered with FJM Investments, LLC to form Northern California Mortgage Fund, II, III, and IV, LLC. Mr. Bardis is responsible for sourcing, underwriting, and the continued performance of the loans placed into the funds. In the same year, he created Theta Real Estate, LLC to further various real estate investment activities in the single family market. He graduated with Master of Science in Finance from University of San Francisco and is a licensed real estate broker in California.

License Information
CA DRE Lic. # - 01887699
NMLS ID - 372531

Matt Moran

After receiving an AB in Economics from Stanford University, Matt Moran became involved in the real estate industry as a lender, first working for Travelers Insurance. Mr. Moran ultimately held positions with Wells Fargo Bank, Manufacturers Hanover, and Chemical Bank. In 1992, he joined William Wilson & Assoc. and became a founding partner and director of acquisitions for four real estate opportunity funds. This resulted in a $1.2 billion merger with Cornerstone Properties, Inc in 1998. At Cornerstone, Mr. Moran was the chief investment officer responsible for property acquisitions and dispositions nationwide. Cornerstone was sold for $6 billion to Equity Office Properties in June of 2000. Mr. Moran continued his real estate investment activities through his Westridge Investments LLC vehicle and, in 2002, formed FJM Investments with his partners, Michael C. Joseph and Mark Pirie. FJM Investments owns interests in several assets across the Western US and Canada. Mr. Moran values integrity in business. In service of this passion, he serves on the board of Hudson Pacific Properties, Inc (HPP), a NYSE-listed real estate investment trust where he chairs the Investment Committee and Corporate Governance and Nominating Committee.

Roxanna Amaya

Loan Originator

License Information
CA DRE Lic. # - 02073743

Christopher Carey

Director of Originations

License Information
CA DRE Lic. # - 01212515
NMLS ID - 377644

Hannah Edwards

Loan Originator

License Information
CA DRE Lic. # - 01045958
NMLS ID - 779894

Completed Transactions

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


Requested loan amount divided by the purchase price + rehab/construction costs


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


Requested loan amount divided by the purchase price + rehab/construction costs


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


Add links to photos here.


Add links to photos here.

Photo Link

Add links to documents, photos, etc.

Attachment Link