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Bridge Loans in San Rafael
Can I get a bridge loan if my current home hasn't sold yet?
Yes. Bridge loans are designed for this situation. Lenders base approval on your current home's equity, not the sale.
01
San Rafael's real estate market is active. A private mountaintop is opening to the public for the first time in decades.
Bridge loans let you buy before you sell. You avoid contingencies and move decisively in competitive offers.
7-14 days
Typical Close Time
650+
Minimum FICO
20-30%
Equity Required
50%
Debt-to-Income Max
02
Bridge loans require 20% to 30% equity in your current home. A 650+ FICO score is the typical floor.
Your current home's value determines how much you can borrow. Lenders verify you can carry two mortgages during the bridge period.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in San Rafael.
San Rafael's real estate market is active. A private mountaintop is opening to the public for the first time in decades.
Bridge loans let you buy before you sell. You avoid contingencies and move decisively in competitive offers.
Bridge loans require 20% to 30% equity in your current home. A 650+ FICO score is the typical floor.
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 lenders in California operate differently than traditional mortgage banks. They focus on speed and equity rather than income.
Most bridge lenders are private or portfolio-based, not agency-backed. They underwrite based on home value, not income verification alone.
04
Bridge loans make sense in San Rafael when you're competing for a home and your current sale is pending. The speed advantage justifies the higher rate when it means winning the offer.
Below the conforming limit of $1,249,125, a traditional contingent offer often works fine. Above that, bridge costs can exceed the benefit unless you're in a bidding war.
05
Bridge loans close in days; a home-equity line takes weeks and requires your current lender's approval. A bridge doesn't depend on your primary mortgage terms.
A cash offer beats a bridge offer every time. Most buyers don't have liquid savings, so a bridge is the next option when speed matters.
06
Point Reyes Station is getting Bar Auklet, an ambitious seafood restaurant in the former Station House Cafe location. That investment signals confidence in the area.
A Marin tech entrepreneur is investing millions to preserve Point Reyes Station's historic character. Buyers who value community stability find that commitment reassuring.
07
San Rafael's median home price sits in the $1,000,000 to $1,200,000 range. Bridge loans are most common in this market segment.
Marin County's population of 258,765 and strong median household income of $142,785 support active lending. Bridge lenders see steady demand from buyers who need speed.
FAQ
Yes. Bridge loans are designed for this situation. Lenders base approval on your current home's equity, not the sale.
Typically 80% to 90% of your current home's value minus what you owe. A $1,000,000 home with $300,000 equity lets you borrow roughly $240,000 to $270,000.
Bridge rates run 1% to 2% above conventional rates because of the short term and higher risk. Call for current pricing.
Most bridge loans last 6 to 12 months. Some lenders extend to 24 months, but longer terms mean more interest paid.
A 650 FICO is the typical floor. Lenders care more about equity and your ability to carry two mortgages than credit perfection.
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 Marin County
Our team of licensed mortgage brokers works Marin 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 Marin 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.