Loading
Loading
Imperial is a smaller market in Imperial County. Timing a sale and purchase here isn't always clean.
Bridge loans solve that timing problem. You buy the next property before your current one closes.
6–12 Months
Typical Loan Term
620+
Min Credit Score
20–30% in Dept. Property
Equity Needed
Interest-Only Typical
Payment Structure
Non-QM
Loan Classification
Bridge Loans in Imperial
Bridge loans are Non-QM. Lenders care more about equity and exit strategy than your debt-to-income ratio.
Most lenders want 20–30% equity in your departing property. Strong credit helps, but isn't the whole picture.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Imperial.
Imperial is a smaller market in Imperial County. Timing a sale and purchase here isn't always clean.
Bridge loans solve that timing problem. You buy the next property before your current one closes.
Bridge loans are Non-QM. Lenders care more about equity and exit strategy than your debt-to-income ratio.
Big retail banks rarely offer bridge loans. Wholesale lenders and private money shops are where these get done.
At SRK CAPITAL, we work with 200+ wholesale lenders. That means real options, not a take-it-or-leave-it product.
The deals that fall apart are the ones with no exit plan. Know how and when you're selling before you close.
Interest-only payments are standard on bridge loans. That keeps your monthly outlay manageable during the overlap.
Hard money loans are close cousins to bridge loans. Hard money tends to cost more but can close in days.
A HELOC on your current home is cheaper — if you have time to set one up before you need to move.
Imperial County has a tight housing inventory. That means when the right property shows up, you move fast or lose it.
Bridge financing lets you act like a cash buyer. Sellers in Imperial take that seriously, especially on well-priced listings.
Most run 6 to 12 months. Some lenders offer extensions if your property hasn't sold yet.
No. That's the whole point. You close on the new property while your current home is still on the market.
Different, not necessarily harder. Lenders focus on equity and exit strategy, not just your W-2 income.
Yes. The departing property doesn't need to be in the same county. Equity and title are what lenders verify.
Talk to your lender early. Many will extend terms. Planning ahead beats scrambling at month eleven.