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Bridge Loans in Beverly Hills
Can I get a bridge loan in Beverly Hills if I haven't sold my current home?
Yes. Bridge loans are designed exactly for this situation — they let you close on your new purchase while your current home is still on market. You repay the bridge from your sale proceeds.
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Beverly Hills homes are priced at $1,452 per square foot and staying on market longer — 72 days on average. That timing gap is where bridge loans solve a real problem for buyers who need to close before their current home sells.
A bridge loan covers the down payment and closing costs on your new purchase. You pay interest only until you sell your existing home, then repay the bridge from those proceeds.
700
Credit score minimum
85%
Max loan-to-value
17–21 days
Typical close
02
Bridge loans are designed for investment properties and require a minimum 700 representative credit score. The maximum loan-to-value ratio is 85 percent, meaning you need at least 15 percent equity in the property you're buying.
Loan amounts range from $100,000 to $5,000,000 and are capped at four units. The lender evaluates your ability to carry two mortgages — your existing payment plus the bridge interest — during the overlap period.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Beverly Hills.
Beverly Hills homes are priced at $1,452 per square foot and staying on market longer — 72 days on average. That timing gap is where bridge loans solve a real problem for buyers who need to close before their current home sells.
A bridge loan covers the down payment and closing costs on your new purchase. You pay interest only until you sell your existing home, then repay the bridge from those proceeds.
Bridge loans are designed for investment properties and require a minimum 700 representative credit score. The maximum loan-to-value ratio is 85 percent, meaning you need at least 15 percent equity in the property you're buying.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
Bridge loans are a specialized product with fewer lenders than conventional mortgages. Underwriting focuses on your exit strategy and how you'll repay.
SRK CAPITAL shops bridge loans across its wholesale lender network. Approval takes 17 to 21 days, or 10 days when expedited.
04
Bridge loans make sense in Beverly Hills when you've found the right property but your current home hasn't sold yet. At $1,452 per square foot, homes here move in 72 days on average — long enough that carrying two mortgages becomes a real cost.
If you have strong equity in your current home and a clear sale timeline, a bridge loan lets you close without contingencies. If your current home is underwater or you're uncertain about its sale price, the interest cost and risk climb quickly.
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A contingent offer on your new purchase is the alternative to a bridge loan — you close only after your current home sells. That protects you financially but makes your offer weaker in a competitive market.
A bridge loan removes the contingency and strengthens your bid. You pay interest-only for the overlap period, but you close immediately and avoid losing the property to a cleaner offer.
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Beverly Hills schools fall under LAUSD, which LA County recently placed under heightened fiscal oversight due to budget concerns. That oversight may affect school funding and operations — a factor to weigh if schools matter to your purchase decision.
The broader LA County job market has seen recent shifts, with major studio consolidations affecting employment in some sectors. For buyers relocating to the area for work, understanding the local employment landscape is part of your bridge-loan timeline.
FAQ
Yes. Bridge loans are designed exactly for this situation — they let you close on your new purchase while your current home is still on market. You repay the bridge from your sale proceeds.
A minimum 700 representative credit score applies for investment properties. The lender also evaluates your equity and your timeline to sell.
SRK CAPITAL closes bridge loans in 17 to 21 days. Expedited files can close in 10 days when documentation is complete and your exit strategy is clear.
You'll need to refinance the bridge into a traditional mortgage or secure an extension from the lender. Plan your timeline carefully and discuss contingencies with your broker.
Bridge loans range from $100,000 to $5,000,000 for up to four units. The maximum loan-to-value ratio is 85 percent, so you need at least 15 percent equity.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Los Angeles County
Our team of licensed mortgage brokers works Los Angeles County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Los Angeles County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.