Business Details
Trusted Real Estate Lending Solutions in California
Monterey Bay Resources has been a trusted provider of niche real estate lending solutions since our founding. Our expertise lies in bridging gaps in traditional financing through private capital sources, offering fast funding for first and second loans ranging from $200,000 to $5,000,000. We specialize in serving property owners and prospective buyers across California who require swift access to competitive-rate financing for both residential and commercial properties.Our team combines decades of industry experience with a streamlined process that delivers results, including no minimum FICO score requirements, transparent terms, and funding capabilities within 14 days. We maintain strong relationships with deed of trust investors and servicers while supporting local communities through partnerships with organizations like Girls, Inc. of the Central Coast. Our commitment to integrity, client education, and operational excellence has earned us consistent endorsements from borrowers, lenders, and real estate professionals throughout our service area.
Services
Bridge Loans
Equity Loans
Purchase Loans
Refinance Loans
Investment Property Loans
Owner-Occupied Loans
Commercial Lending
Residential Lending
Cash Out Loans
Short-Term Loans
Highlights and features
- We offer funding in 14 days or less for qualified borrowers
- Our loans require no minimum FICO score requirements
- We provide competitive rates and transparent fee structures
- Our team has combined 44+ years of local real estate expertise
- We support both residential and commercial property financing statewide
What people say
Funds in 14 days
Spot on advice
Smooth transaction
Quick to answer
Highly recommended
Services
Bridge Loans
Our bridge loans provide temporary financing for property purchases requiring quick closing. Ideal for buyers needing to secure competitive all-cash offers, these loans help bridge gaps between property acquisition and long-term financing. Our streamlined process enables qualified borrowers to complete transactions efficiently while maintaining favorable terms.
Equity Loans
Equity loans allow property owners to access capital based on their home's value. We offer competitive rates and flexible terms for homeowners seeking funds for renovations, investments, or other financial needs. Our process accommodates both residential and commercial properties with loan amounts up to $5,000,000.
Residential Lending
Our residential lending program serves owner-occupants and investors seeking non-traditional financing solutions. We specialize in complex scenarios where conventional banks cannot provide funding, including fixer-uppers and unique property types. Our California-wide service includes purchase, refinance, and cash-out options.
Commercial Lending
Commercial property financing covers office buildings, retail spaces, industrial facilities, and multi-unit complexes. We offer first and second loan positions with flexible underwriting criteria. Our expertise includes funding investment properties that traditional lenders might decline due to unconventional circumstances.
Private Capital Loans
Our private capital loans fill gaps where traditional financing falls short. These customized solutions serve borrowers needing expedited funding or facing unique property challenges. With loan amounts from $200,000 to $5,000,000, we provide competitive rates and terms tailored to each borrower's specific situation.
People
Ami Ebright
Broker/Owner
Third-generation Californian with 26 years of real estate experience. Holds DRE #01411451 and NMLS #1201489. Specializes in private lending solutions and property investments while maintaining conservative financial practices.
Simone MacLeod
Agent
UC Santa Cruz graduate with 18 years of real estate experience. DRE #01308225 holder since 2004. Manages loan transactions and operational systems while assisting buyers and sellers across California.
Questions
What types of real estate loans do you offer?
We provide bridge loans, equity loans, purchase loans, refinance loans, and cash-out loans for both residential and commercial properties across California.
How quickly can you fund a loan?
Qualified borrowers receive funding in 14 days or less through our streamlined private capital lending process.
What loan amounts are available?
We offer loan amounts ranging from $200,000 to $5,000,000 for qualified borrowers with appropriate collateral.
Do you require minimum credit scores?
We do not enforce minimum FICO score requirements, focusing instead on property value and borrower qualifications.
What areas do you serve?
We provide real estate financing solutions throughout the state of California for both residential and commercial properties.
