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Mill Valley moves fast. Homes here get multiple offers, and sellers rarely wait for contingent buyers.
A bridge loan lets you act like a cash buyer. You close on the new home before your current one sells.
6 – 12 Months
Typical Loan Term
20–30% Min
Equity Required
Often Interest-Only
Rate Type
Non-QM
Loan Category
10–15 Business Days
Est. Close Time
Bridge Loans in Mill Valley
Bridge loans are non-QM products. That means lenders look at your equity and assets, not just your debt-to-income ratio.
You typically need strong equity in your current home. Most lenders want at least 20-30% equity to pull from.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Mill Valley.
Mill Valley moves fast. Homes here get multiple offers, and sellers rarely wait for contingent buyers.
A bridge loan lets you act like a cash buyer. You close on the new home before your current one sells.
Bridge loans are non-QM products. That means lenders look at your equity and assets, not just your debt-to-income ratio.
Retail banks rarely do bridge loans. This product lives in the wholesale and private lending space.
We work with 200+ wholesale lenders. Several specialize in short-term bridge financing for high-value California markets.
The biggest mistake I see: waiting too long. By the time you find your next home, your equity is locked up.
Structure matters here. Some bridge loans are interest-only, which keeps your monthly payment manageable during the transition.
Hard money loans are faster but more expensive. Bridge loans from wholesale lenders typically offer better terms.
A HELOC is cheaper, but approval takes time and requires income documentation. Bridge loans close faster.
Marin County properties carry high price tags. Bridge loans here often cover $1M+ transactions with ease.
Mill Valley's inventory is thin. When the right property appears, you need to move in days — not weeks.
Most bridge loans run 6 to 12 months. That gives you time to sell your current Mill Valley home and pay off the loan.
No. The whole point is to buy first. Your existing home serves as collateral during the loan term.
Many are. Interest-only payments keep costs down while you're carrying two properties temporarily.
You'll need an exit plan. Some lenders allow extensions. Discuss this before you close the bridge loan.
Yes. Bridge loans have no conforming limits. High-value Marin properties are exactly where these loans shine.
Faster than conventional loans — often 10 to 15 business days. Speed is the main reason buyers use them.