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Bridge Loans in Malibu
How long does a bridge loan last?
Bridge loans typically last until your old home closes, usually 30 to 90 days. Interest accrues daily until payoff. Once your sale closes, you refinance into permanent financing.
01
Malibu's median home price sits at $3,195,000, with 607 active listings and an average of 92 days on market. Buyers here often face a timing crunch: finding the right property before their current home sells.
A bridge loan closes the gap. You borrow against your departing residence to fund the new purchase, then repay when your old home closes. This lets you make an offer without contingencies.
$3,195,000
Malibu median home price
607 homes
Active listings
92 days
Days on market
700
Min. credit score (investment)
02
Bridge loans for investment properties require a minimum 700 representative credit score and a maximum 85 percent loan-to-value ratio. Loan amounts range from $100,000 to $5,000,000 on properties with up to four units.
The lender evaluates the equity in your departing home and the value of the property you're buying. Your ability to service interest payments during the bridge period matters more than traditional income documentation.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Malibu.
Malibu's median home price sits at $3,195,000, with 607 active listings and an average of 92 days on market. Buyers here often face a timing crunch: finding the right property before their current home sells.
A bridge loan closes the gap. You borrow against your departing residence to fund the new purchase, then repay when your old home closes. This lets you make an offer without contingencies.
Bridge loans for investment properties require a minimum 700 representative credit score and a maximum 85 percent loan-to-value ratio. Loan amounts range from $100,000 to $5,000,000 on properties with up to four units.
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 lending is a specialized market. Fewer lenders write these loans compared to conventional or FHA products, and underwriting focuses on collateral strength rather than employment history.
SRK CAPITAL shops bridge programs across its wholesale lender network to find the best fit for your timeline and equity position. Closing happens fast—SRK CAPITAL closes bridge loans in 17 to 21 days, or 10 days when expedited.
04
Bridge loans make sense in Malibu when you've found your next home but your current sale isn't final. With 92 days on market as the norm, that gap is real.
If you have solid equity in your departing home, a bridge eliminates the contingency that loses you the deal. You just need to cover interest payments for a few months.
05
A bridge loan differs fundamentally from a conventional purchase mortgage. Conventional financing requires your old home to be sold or the sale to be very close; a bridge lets you move forward now.
You pay interest-only on the bridge, then refinance into a permanent loan once your sale closes. The trade-off is cost and complexity: bridge rates run higher than conventional.
06
Malibu's school district is part of LAUSD, which LA County placed under heightened fiscal oversight due to budget concerns. This may factor into your long-term holding decision, especially if schools influence your property choice or resale appeal.
Recent studio mergers in LA County have flagged potential job shifts in entertainment sectors. For buyers relocating to Malibu for work, understanding local employment trends helps shape your bridge timeline.
FAQ
Bridge loans typically last until your old home closes, usually 30 to 90 days. Interest accrues daily until payoff. Once your sale closes, you refinance into permanent financing.
Yes. Bridge loans for investment properties require a minimum 700 credit score and maximum 85 percent loan-to-value. Loan amounts range from $100,000 to $5,000,000 on properties with up to four units.
You'll need to refinance the bridge into a longer-term loan or extend the bridge. SRK CAPITAL can discuss extension options and permanent financing alternatives before your bridge matures.
Yes. The lender appraises both the property you're buying and the home you're selling to establish equity and collateral value for the bridge.
Rates available on application. Bridge pricing depends on loan amount, LTV, credit profile and the strength of your exit strategy. Call SRK CAPITAL for a quote on your specific situation.
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.