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Marin County moves fast. Homes get multiple offers, and sellers don't wait for contingent buyers.
A bridge loan lets you act like a cash buyer. You tap your current home's equity before it sells.
6–12 Months
Typical Loan Term
680+
Min. Credit Score
20%+ in current home
Equity Required
Non-QM / Portfolio
Loan Type
Days to 2 Weeks
Typical Close Time
Bridge Loans in San Rafael
Lenders want strong equity — typically 20% or more — in your departing home.
Credit requirements vary by lender. Most want a 680 or higher. Debt-to-income ratios are evaluated differently than conventional loans.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in San Rafael.
Marin County moves fast. Homes get multiple offers, and sellers don't wait for contingent buyers.
A bridge loan lets you act like a cash buyer. You tap your current home's equity before it sells.
Lenders want strong equity — typically 20% or more — in your departing home.
Banks don't do bridge loans. This is a portfolio and private lender product.
We work with 200+ wholesale lenders. A handful specialize in short-term bridge financing for Marin borrowers.
The biggest mistake we see: borrowers wait too long to set up the bridge loan.
Get pre-approved before you make an offer. In San Rafael, you won't have time to figure it out after.
Hard money loans are similar but often carry higher rates and fees. Bridge loans from portfolio lenders can be cleaner.
Interest-only loans stretch payments out — but they don't solve the timing problem that a bridge loan does.
San Rafael is Marin's largest city, but inventory stays tight. Move-up buyers constantly compete with outside cash.
Most Marin homeowners have significant equity built up. That makes bridge loans very viable here — if you use the right lender.
Most bridge loans run 6 to 12 months. You pay off the loan when your departing home sells.
Yes. That's the point. You borrow against your current home's equity to fund the new purchase before the sale closes.
Yes. Expect higher rates and origination fees. The cost buys you speed and flexibility in a competitive market.
That's the main risk. Have a realistic exit plan and price your departing home to sell. Lenders want to see this too.
Yes. We work with multiple private and portfolio lenders who fund bridge loans in San Rafael and across Marin County.