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Agoura Hills is a move-up market. Homeowners here often own significant equity but need to act fast when the right property appears.
A bridge loan lets you close on the new home now. You repay it once your current property sells — no contingency required.
6–12 Months
Typical Loan Term
20%+ in Current Home
Equity Required
Non-QM
Loan Classification
None
Contingency Needed
Interest-Only Available
Payment Structure
Bridge Loans in Agoura Hills
Bridge loans are non-QM products. Lenders focus on your equity position and exit strategy, not just your debt-to-income ratio.
Most lenders want at least 20% equity in your departing home. Strong credit helps, but the deal structure matters most.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Agoura Hills.
Agoura Hills is a move-up market. Homeowners here often own significant equity but need to act fast when the right property appears.
A bridge loan lets you close on the new home now. You repay it once your current property sells — no contingency required.
Bridge loans are non-QM products. Lenders focus on your equity position and exit strategy, not just your debt-to-income ratio.
Big banks rarely offer bridge loans. This product lives in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in short-term bridge products for California move-up buyers.
The biggest mistake I see: buyers wait too long and scramble to structure a bridge loan in days. Start the conversation early.
Your exit strategy is everything. Lenders want to know your current home is sellable — priced right and ready to list fast.
A sale contingency offer is weaker in a competitive area. A bridge loan removes that contingency and strengthens your position.
Hard money loans are faster but carry higher costs. Bridge loans from wholesale lenders often offer better terms with more structure.
Agoura Hills sits in the Las Virgenes corridor — a highly desirable pocket of LA County with limited inventory.
Move-up buyers here compete against well-capitalized buyers. A bridge loan keeps you in the game without waiting on your sale.
Most bridge loans run 6 to 12 months. Some lenders offer extensions if your home hasn't sold yet.
No — that's the point of a bridge loan. You close on the new home first, then repay the bridge when your sale closes.
Requirements vary by lender. Bridge loans are non-QM products, so equity and exit strategy often carry more weight than credit score.
Yes, typically. These are short-term, non-QM products. Rates vary by borrower profile and market conditions.
Some lenders allow it with a solid equity cushion and a clear listing plan. Others require an active listing.