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$250,000 - $10,000,000
7.99% - 10.99%
1.50% - 3.00%
70%
75%
3 to 36 months
$100,000 - $12,000,000
6.75% - 9.75%
1.00% - 4.00%
65%
65%
6 to 60 months
$250,000 - $5,000,000
6.99% - 9.99%
1.00% - 2.00%
65%
70%
3 to 24 months
$500,000 - $25,000,000
8.99% - 9.99%
2.00% - 4.00%
70%
70%
0 to 24 months
$50,000 - $3,000,000
7.00% - 12.00%
2.00% - 5.00%
65%
75%
12 to 360 months
$100,000 - $5,000,000
8.00% - 12.00%
1.00% - 3.00%
75%
85%
12 to 360 months
$75,000 - $10,000,000
6.25% - 11.99%
1.00% - 2.00%
80%
90%
12 to 360 months

Security Financial Services
Direct Lender for Northern California Property Investors | Established 1943
$100,000 - $3,500,000
5.95% - 7.50%
0.75% - 2.00%
75%
80%
6 to 60 months
$30,000 - $1,200,000
8.00% - 12.50%
0.50% - 3.00%
55%
60%
6 to 60 months
$250,000 - $2,500,000
7.99% - 11.99%
1.00% - 3.00%
75%
85%
6 to 24 months
$150,000 - $9,000,000
4.99% - 11.99%
0 - 2.00%
70%
85%
6 to 60 months
$50,000 - $5,000,000
8.00% - 15.00%
1.00% - 3.00%
70%
100%
1 to 12 months
$100,000 - $10,000,000
8.75% - 11.49%
1.00% - 2.00%
60%
60%
6 to 24 months
$200,000 - $10,000,000
7.49% - 12.00%
2.00% - 5.00%
70%
90%
3 to 24 months
Bridge Loan Transactions for Bay Area Residential Property

Bridge Loan for Residential Acquisition in Berkeley, CA
$1,675,000
Transaction by Rubicon Mortgage Fund
In November 2020, Rubicon Mortgage Fund provided a bridge loan for the purchase of a home in Berkeley. A well-known Residential Real Estate Agent in San Francisco was helping his clients relocate from San Francisco to the Berkeley Hills and wanted them to have the most competitive offer. Based on his past experiences with Rubicon, he knew our Bridge Loan would be a reliable, quick, and easy solution. The new home in Berkeley Hills was listed at $1,099,000 and the seller had received multiple offers. The Buyer counteroffered with a “like-kind” all-cash offer at $1,675,000, which was subsequently accepted. Using the buyer’s duplex in San Francisco as additional collateral, Rubicon offered a $1,675,000 loan in 1st lien position on the purchase property (Berkeley Hills home) and 2nd lien position on the additional collateral (San Francisco duplex). Due to the low Combined Loan to Value at just over 40%, the Buyers’ down payment was reduced to just fees and costs of the purchase. With Rubicon’s in-house underwriting, solid investors, and efficient back-office the transaction closed in exactly 14 days.

Stonecrest Financial funded a private money bridge loan for a primary residence home in Los Gatos, Santa Clara County, California. The borrowers wanted to purchase their next home in Los Gatos prior to selling their departing residence in San Jose. They utilized our Bridge Loan program to make it happen. We gave them a new 1st position loan on their new home and crossed collateralized their departing property which had a sufficient amount of equity. This allowed us to achieve a 70% combined loan-to-value. The loan term is 6 months. When they sell the San Jose property, they will pay our loan down and use permanent financing to retire our loan completely. The Los Gatos home is a 4,198 sq ft single family residence on a 14,505 sq ft lot. The home was built in 1965 and is located at the end of a cul-de-sac. It has 4 bedrooms, 4.5 bathrooms, bonus/game room, and a wine cellar. This bridge loan was funded in January 2019.

The borrowers needed a residential bridge loan to help purchase a new home in Half Moon Bay before selling their current residence in Redwood City. We provided them with a $1,175,000 loan in 1st position on the purchase property crossed behind a $500k loan on the departing property.
The Half Moon Bay property is a 2-story single family home is 3,286 sq ft on a 7,500 sq ft lot and has 4 bedrooms and 2.5 bathrooms. It was built in 1988 and has a partial view of the ocean. The inside has been recently remodeled. The departing property in Redwood City is 1,280 sq ft 1-story home on a 6,426 sq ft lot with 3 bedrooms and 2 bathrooms. It was built in 1920. The inside has been remodeled with granite counter tops and stainless steel appliances. We funded this loan in a short period of time enabling the borrower to take advantage of a good opportunity in a hot Northern California market. The loan closed in May 2018.

Bridge Loan for Los Gatos Residential Property Acquisition
$1,500,000
Transaction by Stonecrest Financial
Our borrower is a past client and active real estate investor. He wants to purchase a Los Gatos property for his portfolio. The property is a great deal and he plans to fix and flip it. Stonecrest provided him with a 1st mortgage of $1.5MM. The purchase price was $2.2MM and the borrower put down $700K in cash. The subject property is a 2-story single family home that has 4 bedrooms and 3 bathrooms, is 3,697 sq ft and sits on 1.23 acres. There is an additional finished 690 sq ft basement. This home was built in 1986 and is surrounded by beautiful, mature landscaping with an oasis in the backyard featuring an in-ground pool and hot tub. Stonecrest funded this bridge loan in January 2018

The borrowers used Stonecrest’s Bridge Loan program to help them downsize from their home in San Anselmo to a new home in Fairfax, Marin County. They needed to use this program in order to compete with non-contingent offers in the market place. We provided them with a $1,065,000 loan in 1st position on the purchase of the Fairfax home, crossing the departing residence in San Anselmo, which is a 1,212sqft two-story single family home built in 1926 and sits on 3.6 acres. It has 2 bedrooms and 1 bathroom. The tranquil property creates the feeling of a mountain paradise while only minutes to downtown Fairfax. The Fairfax home was built in 1959. It is 2,350sqft, has 4 bedrooms and 3 bathrooms, and sits on a 18,000 square foot lot. We funded this loan in May 2017.

Quick Bridge Loan for El Cerrito CA Residential Investment Property
$1,050,000
Transaction by Wilshire Quinn Capital
In February 2017, the Wilshire Quinn Income Fund provided a $1.05MM first trust deed loan in El Cerrito, California. The loan allowed the borrower to purchase an investment property that needed to close quickly. The property is a 4,000 square foot single family residence, with four bedrooms, three and a half bathrooms, wrap around decks and views of the San Francisco Bay. The property was appraised for $1,750,000, giving the Wilshire Quinn Income Fund a total loan to value of 60 percent on the transaction.