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.



(818) 237-1171

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.



(818) 237-1171

Bruce has more than 30 years in the real estate business as an investor and lender. He has acquired invaluable business experience over the years. After attending CSU, Northridge he had a career as a CPA which lead to his involvement in real estate industry. In the early 90’s Bruce became a licensed Real Estate Broker marketing multifamily building in Los Angeles first with Savoy Real Estate and then with Marcus & Millichap. He started several companies and ran a food service manufacturing concern with annual sales of $18 million.
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.

Our Happy Clients

  • My experience with National Apartment Loans has been very positive. I received fast, reliable professional advice that really helped out in my time of need. I would recommend National Apartment Loans to anyone who values quality and integrity in business transactions.
    David Burger
  • Ed and Oded
    My brother and I would like to thank you for the hard work that you've done for us with refinancing our apartment building  in Long Beach. We appreciate your hard work and the effort . Despite the challenges we went through with legal matters, liens, and court procedures, you resolved all issues and completed the refinance. We especially would like to thank you for  the cost of the loan and the low interest rate that you worked so hard to get and was able to provide. I have been in this business for over 35 years and I haven't seen such commitment from any loan officer, I hope you  continue with the  excellent  service and good loan programs  you provide your clients. I will highly recommend you to any of our friends and partners. Thanks,
    Ed and Oded
  • Obtaining a loan assisted by Efraim Oren through National Apartment Loans was an absolute pleasure. He is very knowledgeable about the whole loan process. The one thing that stands out most about our experience is Efraim follow-through. He always did what he said he was going to do and with speed and accuracy. Efraim went above and beyond in helping make everything come together. We recommend National Apartment Loans to anyone who is in the market for a loan. If we ever need a loan again we know exactly who to call. Thank you, Thank you, Thank you!
    Tim & Teresa Manning
  • Ross Carson
    Just got done refinancing a 20-year loan into a 15-year loan. I had a great experience with National Apartment Loans and my mortgage broker Bruce Berman who was truly exceptional. He answered any of my refinance questions in a timely fashion not to mention being able to explain things in a simple and professional manner. He walked me through every step and before I knew it I had a new loan. I would highly recommend Bruce if you’re in need of refinancing. He saved me thousands of dollars with my new loan. I couldn’t be any happier.
    Ross Carson

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