Business Details
Trusted Private Real Estate Lending Solutions in Santa Cruz
Monterey Bay Resources is a Santa Cruz-based real estate lending company specializing in niche financing solutions for property owners and buyers. With over two decades of experience in the industry, our team provides private capital for bridge loans, equity loans, and short-term financing options ranging from $200,000 to $5,000,000. We specialize in filling gaps where traditional lenders cannot, offering fast funding for both investment and owner-occupied properties across California. Our expertise extends to residential and commercial real estate transactions, including single-family homes, multi-family units, office buildings, and raw land in urban areas. We maintain transparent lending criteria with no minimum FICO score requirements, competitive interest rates between 7.99% and 14.99%, and flexible loan terms from 12 to 60 months.Our commitment to exceptional service has earned us long-term relationships with borrowers, lenders, and real estate professionals throughout the state. We pride ourselves on delivering straightforward loan packages, personalized guidance, and efficient transaction processing that meets the evolving needs of our clients.
Services
Bridge Loans
Equity Loans
Residential Financing
Commercial Loans
Cash Out Loans
Investment Property Loans
Owner-Occupied Loans
Short-Term Loans
First Trust Deeds
Second Trust Loans
Highlights and features
- We offer fast funding solutions with transactions completed in as little as 14 days
- Our flexible lending criteria include no minimum FICO score requirements
- We provide competitive interest rates ranging from 7.99% to 14.99%
- Our team has decades of combined experience in private real estate financing
- We support both investment and owner-occupied property transactions across California
What people say
Fast funding in 14 days
Transparent loan packages
Expert real estate guidance
Competitive rates
Reliable transaction processing
Services
Bridge Loans
Bridge loans provide temporary financing for real estate transactions. These loans help property owners secure immediate funds for purchases or renovations before securing permanent financing. Our bridge loans offer competitive rates and fast approval processes.
Equity Loans
Equity loans allow property owners to access capital based on their home's value. We offer competitive loan-to-value ratios up to 70% with flexible terms. These loans help investors and homeowners fund new purchases or property improvements.
Commercial Loans
Commercial loans support business property acquisitions and investments. We finance office buildings, retail spaces, industrial properties, and multi-family units. Our solutions cater to investors needing quick access to private capital.
Residential Loans
Residential loans serve owner-occupied properties and primary residences. We provide financing for home purchases, renovations, and equity extraction. Our programs accommodate unique property conditions that traditional lenders cannot handle.
Private Lending
Private lending connects borrowers with non-traditional capital sources. We facilitate first and second trust deed investments with competitive terms. Our network fills gaps where banks and conventional lenders cannot provide funding.
People
Ami Ebright
Broker/Owner
Third-generation Californian with 26 years in real estate lending. Former Mandarin speaker, now focused on private capital solutions. Holds DRE# 01411451 and NMLS 1201489 licenses.
Simone MacLeod
Agent
UC Santa Cruz graduate with 18 years in real estate. Joined MBR since 2004, assisting with loans and systems management. Holds DRE# 01308225 license.
Questions
What types of loans do you offer?
We offer bridge loans, equity loans, cash-out loans, and short-term financing options for residential and commercial properties across California.
How quickly can you fund a loan?
We typically fund loans within 14 days of application, with streamlined processes for urgent real estate transactions.
What loan amounts are available?
We provide financing ranging from $200,000 to $5,000,000 for qualified borrowers seeking private real estate capital.
Do you require minimum credit scores?
We do not enforce minimum FICO score requirements, focusing instead on property equity and borrower qualifications.
What areas do you serve?
We operate throughout California, supporting real estate transactions in both urban and rural markets.
