About North Coast Financial
California bridge loan lenders with over $1 billion in private money loans funded. Serving borrowers since 1981 with straightforward, relationship-driven lending.
Our Story
North Coast Financial has been funding private money bridge loans in California since the early days of the industry. The broker, Don Hensel, entered the private money lending industry in 1981 and has been an active member of the California Mortgage Association (CMA) and its predecessor organizations since 1981.
Over those decades, the company has funded more than $1 billion in private money loans. That track record comes from doing one thing consistently: moving quickly and transparently for borrowers who need capital when conventional lenders cannot help.
Don Hensel, President
Don has spent his entire career in private money lending, building the kind of expertise that only comes from navigating countless market cycles, regulatory changes, and unique borrower situations. His academic foundation is equally strong: a B.S. in Finance from the University of Illinois and an M.B.A. in Finance and Accounting from Northwestern University.
Beyond funding loans, Don has contributed to the industry through sustained professional involvement. He has served on the board of directors for the California Trust Deed Brokers Association, participated in multiple California Mortgage Association committees, and appeared on panels at educational seminars for lending professionals.
That level of engagement reflects something straightforward: a commitment to the integrity of the private lending industry and to the borrowers it serves.
Don is available to discuss your bridge loan situation personally. Call (760) 722-2991 or email don@northcoastfinancialinc.com.
What We Do
North Coast Financial specializes in residential and investment property bridge loans in California. We focus on asset-based lending, which means approval is grounded in the value of the real estate rather than tax returns, employment history, or credit score alone.
For owner-occupied residential bridge loans, we fund in 2 to 2.5 weeks. For investment properties, we close in as few as 5 to 7 days. Loan terms run up to 11 months with no prepayment penalty, and we do not charge an appraisal fee or a separate lender fee.
Current rates range from 9.95% to 10.95% (APR 11.40% to 13.22%), with origination points of 1.25 to 1.95. Loans are available up to 65% to 70% LTV.
Industry Credentials
- Active member, California Mortgage Association (CMA) and predecessor organizations since 1981
- Former board member, California Trust Deed Brokers Association
- Panelist at CMA educational seminars for lending professionals
- California DRE Broker #01870870
- NMLS ID 323044
Four decades. One billion dollars. One focus.
Let's talk about your bridge loan
Pre-approval letters within 24 hours. No obligation. Call or send a message and Don will get back to you the same day.