About Us

Monterey Bay Resources, Inc. is a Santa Cruz based real estate company that provides niche lending solutions for property owners and prospective buyers seeking access to private funds quickly and at competitive rates. Whether it is a homeowner needing a bridge loan or a borrower who needs a short-term equity loan to make a competitive all cash offer on property. We can provide financing for both investment property and owner-occupied properties, upon qualification. MBR’s private capital sources fill in the gaps where banks and other private money sources leave off – offering fast funding of 1st and 2nd loans ranging from $100,000-$5,000,000 on both residential and commercial properties throughout California.

Ami Ebright  |  Broker/Owner
I am a third generation Californian, raised in a real estate family. My first contract written was for my green three speed bicycle, payments were to be made monthly, I was 8 years old. After too many years of schooling, none of which included real estate (but I can speak Mandarin). I joined the family business and learned more about lending, here I am 21 years later, and I still love it.

DRE: 01411451  |  NMLS 1201489

Timothy Ryan  |  Broker Associate
Tim Ryan has over 20+ years experience in real estate, a degree in finance, and a background as an Investment Advisor, and offers a full array of real estate services to home buyers, homeowners, investors and real estate professionals. Tim’s services include: representing individuals in purchasing and marketing of single family residences, condominiums, ASH certified short sales for residential and commercial properties, income producing and investment properties, foreclosure purchases at the courthouse steps, and commercial brokerage. Other services include: strategies to prepare properties for market, from a complete remodel, to staging and marketing for maximum exposure and attention.

DRE: 01120778  |  NMLS: 1596247

Simone MacLeod  |  Agent
Born in Walnut Creek and a graduate of UC Santa Cruz, Simone entered real estate 18 years ago, and has been with MBR since 2004.  She assists buyers and sellers with home sales as well as loans. She also magically runs all of our systems in the office, including creating our database and operational systems.

DRE: 01308225

Neal Skapura  |  Agent
A resident of Oakland, CA, Neal attended UC Berkeley (B.A. English) and S.F. State (M.A. English) in order to work within the California community colleges in instructional technology and to teach English. He has been a lender with MBR since 2003 and recently obtained his real estate license in order to focus on residential and commercial private lending.

DRE: 02009321

Jeff Warrick  |  Agent
Jeff lives in Aptos with his wife and their two teenage boys. He’s an Aptos High graduate and earned a B.A. in Film and Literature from UC Santa Cruz. As an entrepreneur, he’s owned and managed several local businesses, including a video production company in Santa Cruz. Jeff is experienced in business development, marketing and screenwriting. He obtained his DRE license in 2018, and now assists local Monterey Bay Area clients with buying, selling and funding of residential, commercial and investment properties.

DRE: 02072080

Why Choose Monterey Bay Resources, Inc.?

  • Owner and non-owner occupied
  • Fast underwriting and funding
  • No minimum FICO score
  • Competitive rates and fees
  • Large amount of capital available to be invested
  • Long list of satisfied borrowers and investors
  • 25+ years in the business
  • We lend throughout California