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
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

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
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 $995 doc and processing fee.

Fees which are mandatory for all new borrower clients

  • Processing Fee
  • Documents Fee

Details and Requirements

Typical Closing Time (Days)

5

Fastest Closing Time (Days)

3

Payment Structure
  • Interest Only
Pre Payment Penalty

no

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
Credit Check Required

yes

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

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

Get In Touch

First Bridge Lending pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

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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

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

10.02%

Total Number of Loans Funded to Date

2752

Total Loan Volume Funded to Date

$1,196,725,497

Our Team

Michael Joseph

Partner

Louis Bardis

Partner

CA DRE Lic. # - 01887699
NMLS ID - 372531

Matt Moran

Christopher Carey

Director of Originations

CA DRE Lic. # - 01212515
NMLS ID - 377644

Lynne Sullivan

Loan Originator

CA DRE Lic. # - 02094183

Funded Deals

Get In Touch

First Bridge Lending pays us to be listed, so there is no fee to connect. Share your loan request, send a simple email, call, or visit their website.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
subscribe-illustration

Create a Loan Request

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Contact This Lender

Contact First Bridge Lending by whichever method you choose.

If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.

Send an email to First Bridge Lending