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Belvedere moves fast. Sellers here rarely wait for contingent buyers.
A bridge loan lets you make a clean, non-contingent offer on your next home before your current one sells.
6 – 12 Months
Typical Loan Term
680+
Min Credit Score
20%+ in current home
Equity Required
Non-QM
Loan Type
10 – 21 Days
Est. Close Time
Bridge Loans in Belvedere
Lenders want strong equity in your departing property — usually 20% or more after the bridge is funded.
Credit requirements vary by lender. Most want a 680+ score. Debt-to-income is reviewed but calculated differently than on conventional loans.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Belvedere.
Belvedere moves fast. Sellers here rarely wait for contingent buyers.
A bridge loan lets you make a clean, non-contingent offer on your next home before your current one sells.
Lenders want strong equity in your departing property — usually 20% or more after the bridge is funded.
Banks rarely offer bridge loans anymore. Most deals get done through private and wholesale lenders.
At SRK CAPITAL, we source bridge financing across 200+ wholesale lenders. Rate and term options vary significantly — shopping matters.
The biggest mistake I see: borrowers wait too long. They find the home first, then scramble for bridge financing.
Get approved before you make an offer. Belvedere sellers won't slow down for your financing to catch up.
Hard money loans are faster but more expensive. Bridge loans from wholesale lenders usually carry better rates and longer terms.
Interest-only loans can reduce monthly payments during a transition — but they don't solve the timing problem a bridge loan does.
Belvedere is a small, high-value island city in Marin County. Properties are tightly held and rarely listed.
When something hits the market here, you need to move. A bridge loan removes the single biggest obstacle — a sale contingency.
Most bridge loans run 6 to 12 months. Some lenders offer extensions if your property hasn't sold.
Yes. That's the point. You borrow against your current home's equity to fund the new purchase before you sell.
You'll need an exit strategy — a sale, refinance, or extension. Discuss this with your broker before you close.
They're different, not necessarily harder. Lenders focus heavily on equity and exit strategy, less on monthly debt ratios.
Often yes, for a short period. Some bridge structures pay off your existing mortgage — ask your broker which structure fits.
Many private and wholesale bridge loans close in 10 to 21 days. Speed depends on the lender and your documentation.