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Bradbury's gated estates don't move on typical timelines. When you need to close on a multi-million dollar property before your current home sells, bridge financing becomes essential.
Traditional lenders won't touch deals this complex. Bridge loans give you 6-24 months to orchestrate the sale of one luxury property while securing another.
Most Bradbury buyers using bridge loans have $2-5M tied up in their current home. The loan covers your down payment and buys you time to sell at the right price.
Bridge Loans in Bradbury
You need substantial equity in your current property—typically 30-40% minimum. Lenders base approval on the combined value of both properties, not just income.
Credit scores matter less than equity position. Most lenders want 680+, but strong borrowers with significant assets can qualify lower.
Expect rates 7-12% with fees of 1-3 points. This isn't cheap money—it's speed and flexibility when timing matters more than cost.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Bradbury.
Bradbury's gated estates don't move on typical timelines. When you need to close on a multi-million dollar property before your current home sells, bridge financing becomes essential.
Traditional lenders won't touch deals this complex. Bridge loans give you 6-24 months to orchestrate the sale of one luxury property while securing another.
Most Bradbury buyers using bridge loans have $2-5M tied up in their current home. The loan covers your down payment and buys you time to sell at the right price.
Bridge loans aren't advertised on rate sheets. We source these from specialty lenders who underwrite based on deal structure, not automated systems.
Your timeline determines which lenders work. Some can close in 7-10 days. Others need 21 days but offer better rates.
Every lender has different appetites for loan amounts and property types. Access to multiple lenders matters more here than any other loan product.
I see two scenarios in Bradbury. First: buyers who found their next estate and need to move fast. Second: sellers who already bought and need breathing room to prep their current home.
The exit strategy matters most. Lenders want to see a realistic plan to sell your existing property. Overpriced listings kill deals during underwriting.
Interest-only payments keep your monthly cost manageable while both properties are in play. You're paying for optionality, not building equity.
Hard money loans fund faster but cost more—rates often hit 10-14%. Bridge loans from institutional lenders offer better terms when you can wait 2-3 weeks.
Home equity lines sound cheaper but most lenders cap them at $500K. That doesn't help when you need $2M for a Bradbury down payment.
Construction loans only work if you're building. Interest-only mortgages require selling first. Bridge loans are the only product that handles overlapping ownership.
Bradbury properties take longer to sell by design. The buyer pool is small and selective. Bridge loans give you 12-18 months to find the right buyer at your price.
Many deals involve trust-held properties or complex estate situations. Bridge lenders experienced with high-net-worth borrowers handle this better than retail banks.
Property values in gated Bradbury communities hold stable even in market downturns. Lenders view this as lower-risk collateral than neighboring areas.
We can close in 10-14 days with complete documentation. Rush scenarios hit 7 days but expect higher rates for speed.
Most bridge loans allow one extension of 6-12 months for a fee. We structure the initial term to give you realistic time to sell.
Not always, but lenders want to see a marketing plan. Having a listing agreement and realistic pricing strengthens your application significantly.
Yes, if the land value supports the loan amount. We've financed several Bradbury tear-down purchases where buyers needed time to secure construction financing.
You pay off the loan early with no penalty in most cases. Some lenders require minimum interest of 3-6 months regardless of payoff timing.