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Larkspur moves fast. When the right property hits the market, waiting to sell your current home first can cost you the deal.
A bridge loan gives you short-term cash to close on a new home now. You repay it once your existing property sells.
6–12 Months
Typical Loan Term
20%+ in Current Home
Equity Required
Non-QM
Loan Type
Interest-Only
Payment Structure
Varies by Profile
Rate Type
Bridge Loans in Larkspur
Bridge loans are non-QM products. Lenders care more about equity in your current home than your debt-to-income ratio.
Most lenders want at least 20% equity in your departing home. Strong credit helps, but the asset itself drives approval.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Larkspur.
Larkspur moves fast. When the right property hits the market, waiting to sell your current home first can cost you the deal.
A bridge loan gives you short-term cash to close on a new home now. You repay it once your existing property sells.
Bridge loans are non-QM products. Lenders care more about equity in your current home than your debt-to-income ratio.
Most banks don't offer bridge loans. This is non-QM territory — you need a broker with wholesale access to specialty lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in bridge financing for high-equity Marin County properties.
The deals I see fall apart when buyers wait. In Larkspur, contingent offers often lose to cleaner bids.
A bridge loan removes your sale contingency. That alone can make your offer significantly more competitive in this market.
Hard money loans are similar but usually carry higher rates and fees. Bridge loans from wholesale lenders tend to be cleaner.
A HELOC on your current home is another option. But HELOCs take time, and some lenders freeze them once you list.
Larkspur sits in one of California's most desirable corridors. Properties here hold equity well — that works in your favor on a bridge.
Marin County's limited inventory means sellers in Larkspur often field multiple offers quickly. A bridge loan keeps you in that game.
Most bridge loans run 6 to 12 months. That's typically enough time to sell your Larkspur home and pay off the loan.
No — that's the point. You apply while still owning your current home and repay once it sells.
There's no universal minimum. Lenders focus heavily on your equity position. Better credit still helps your rate.
Yes. The departing property doesn't need to be in Marin. Equity and a clear exit strategy are what matter.
Most are interest-only during the term. The full principal comes due when your existing property sells.
Some lenders allow extensions. Plan your exit early — if you list competitively in Larkspur, delays are uncommon.