National Apartment Loans is a privately held boutique firm based in Tarzana, CA that was created by Efraim Oren and Bruce Berman to offer investors, property owners and developers a better approach to meet their financing objectives. Our creative, resourceful, outside-the-box approach combined with our ability to act quickly has enabled our clients to close transactions when time is of the utmost importance. We offer institutional and non-institutional loan programs including bridge loans, purchase and refinancing loans, SBA loans and more. First and foremost, we strive to do our best for our clientele. We want to be your trusted advisor, not just a one-transaction lender.
EFRAIM OREN

President
With over 30 years of experience in real estate finance, Efi has a demonstrated track record of delivering results to satisfied clients. With a distinct ability to understand the nuances of complex projects, resolve challenging technical problems, and think creatively to carry projects to completion, Efi has helped clients with a diverse range of real estate financing needs.
As a real estate loan originator at Pacifica Funding and professional mortgage associates for over 25 years, Efi gained the resourcefulness and expertise needed to originate and complete complex loans from beginning to end. Efi also has extensive background in the construction space, where he has learned the importance of setting realistic budgets and working strategically to accomplish end goals. In 2009, he founded and managed Renewal Properties, specializing in purchasing and remodeling houses and apartment buildings with his own and investor’s funding with a goal of delivering higher returns.
While continuing to fund loans, Efi founded One Stop Retrofit in 2017, which conducts earthquake retrofits of soft story apartment buildings throughout the Los Angeles area. With his knowledge in construction and finance, his team has successfully completed well over 95 projects to date.
Efi is relentlessly dedicated to delivering results for his clients. By working with multiple funding sources, including both institutional and bridge lenders, he is able to take on challenging loan transactions and help clients accomplish their financing goals.
In 2020, Efi teamed up with Bruce Berman with the goal of delivering a streamlined, clear process for apartment owners to fund acquisitions and refinance their buildings. Together, they established National Apartment Loans Inc.
With his demonstrated success in solving challenging loan qualification issues, Efi is uniquely positioned to help you with your financing needs and increase your property’s potential.
BRUCE BERMAN

CFO
The real test is not whether you avoid this failure, because you won't. It's whether you let it harden or shame you into inaction, or whether you learn from it; whether you choose to persevere.