Business Details
Expert Private Real Estate Lending Solutions
Founded to address gaps in traditional lending, Monterey Bay Resources specializes in private capital solutions for real estate investors and homeowners. Our team brings decades of combined expertise to bridge financing challenges, offering tailored 1st and 2nd trust deed loans from $200,000 to $5,000,000. With deep roots in California's real estate market, we deliver competitive rates and rapid funding cycles that meet modern transaction demands. Our proprietary systems ensure transparent processes while maintaining strict compliance standards. Through two generations of family leadership, we've maintained a reputation for integrity in both residential and commercial lending sectors.Our brokers hold active DRE and NMLS certifications, ensuring professional oversight for every transaction. From bridge financing to equity-based solutions, we empower clients to execute strategic real estate moves with confidence. Our operational systems support seamless borrower experiences while maintaining rigorous documentation standards. Having facilitated millions in funded properties, we combine institutional-grade processes with personalized service. Our track record includes serving both property owners and private lenders, fostering trust through consistent performance metrics.
Services
Bridge Loans
Equity Loans
Commercial Lending
Residential Loans
Fast Funding
Loan Refinancing
Investor Financing
Cash-Out Loans
Highlights and features
- We deliver funding in as little as 14 days
- Our brokers hold active DRE#01839840 and NMLS#1213616 certifications
- We offer loans from $200,000 to $5,000,000
- Our proprietary systems ensure transparent loan processing
- We serve both residential and commercial real estate sectors
What people say
14 day funding
Spot on advice
Straightforward loan packages
Best servicer
Life saver
Services
Bridge Loans
Our bridge loan program provides short-term financing for property acquisition or renovation. Investors can access funds ranging from $200,000 to $5,000,000 with loan-to-value ratios up to 70%. These first and second trust deed loans facilitate quick closings for distressed properties or competitive real estate markets.
Equity Loans
We offer equity-based financing solutions for property owners seeking capital. Loan amounts from $200,000 to $5,000,000 come with flexible terms between 12-60 months. This program supports both personal residence and investment property owners across California.
Commercial Lending
Our commercial lending division provides financing for income properties including apartments, office buildings, and retail spaces. Competitive rates from 7.99% apply to first and second loans with expedited processing for qualified borrowers throughout California.
Residential Loans
We specialize in residential real estate financing for unique situations. Our program accommodates both owner-occupied and investment properties, including non-traditional scenarios that conventional lenders cannot service. Fast funding options available within 14 days.
Fast Funding
Our expedited loan process delivers funding in as little as 14 days. This accelerated timeline applies to both residential and commercial transactions across California, supporting urgent acquisition opportunities and time-sensitive renovation projects.
People
Ami Ebright
Broker/Owner
Third-generation Californian with 26 years in real estate finance. Holds active DRE#01411451 and NMLS#1201489 licenses. Specializes in private lending solutions and strategic loan structuring for residential and commercial properties.
Simone MacLeod
Agent
UC Santa Cruz graduate with 18 years' experience. DRE#01308225 licensed professional manages loan operations and systems infrastructure. Supports clients with purchase financing and equity loan programs since 2004.
Questions
What loan amounts do you offer?
We provide financing from $200,000 to $5,000,000 for qualified borrowers.
How quickly can you fund a loan?
Our average funding time is 14 days from completed application.
Do you require minimum credit scores?
We don't enforce minimum FICO scores, focusing instead on property equity and exit strategies.
What property types qualify?
We finance single-family homes, multi-family units, commercial properties, and raw land in urban areas throughout California.
Do you service investment properties?
Yes, we offer loan programs for both investment properties and owner-occupied residences.
Can I use multiple properties as collateral?
Our loan programs allow using multiple properties as collateral for increased financing capacity.
Reviews (4)
Jill Potts
Dec 21, 2020
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I have worked with Monterey Bay Resources for several years now. Always have had an excellent experience. Quick to respond, professional and delivers results. They have done 2 home refi's and it was seamless. Thank you for great customer service and guiding me through the process.
Jen Hunt
Oct 15, 2020
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Ami and MBR has done a refinance for me 2 times. I thought I had a great rate the first time and then she called me and said rates were lower and it would really decrease my mortgage payments. Ami and Karyn were great and it was super stress free and quick. I recommend MBR for your refi or 1st time mortgage.
Maura O'Connell
Sep 09, 2020
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Ami and her entire staff is great. They were so easy to work with, great communication and really fast getting us all of our documents quickly. It was my first time buying a home and I had no idea what I was doing, they explained everything step by step. I highly recommend them.
Chris E.
Jul 24, 2018
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Monterey Bay Resources provides me with the expertise and knowledge to help me enhance my investment portfolio. They truly understand the uniqueness of the regional market and believe in collaborative and innovative solutions. I highly recommend, and am always happy to work with this woman-owned, socially-conscious company.
