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Aliso Viejo moves fast. When the right home hits the market, waiting to sell your current one can cost you the deal.
A bridge loan gives you short-term cash to close on the new property now. You repay it once your existing home sells.
6–12 Months
Typical Loan Term
620+
Suggested Min Credit
20–30% in Current Home
Equity Required
Non-QM
Loan Type
Interest-Only Available
Rate Type
Bridge Loans in Aliso Viejo
Bridge loans are non-QM products. Lenders care more about your equity and exit strategy than your debt-to-income ratio.
Most lenders want at least 20–30% equity in your current home. Strong credit helps, but it's not the only factor.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Aliso Viejo.
Aliso Viejo moves fast. When the right home hits the market, waiting to sell your current one can cost you the deal.
A bridge loan gives you short-term cash to close on the new property now. You repay it once your existing home sells.
Bridge loans are non-QM products. Lenders care more about your equity and exit strategy than your debt-to-income ratio.
Big banks rarely offer bridge loans. This product lives in the wholesale and private lending world.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find bridge programs that fit your timeline and equity position.
The deals I see fall apart when sellers demand a non-contingent offer. A bridge loan removes that contingency entirely.
Know your numbers before you apply. Carrying two mortgages — even briefly — adds real cash pressure. Plan for it.
Hard money loans are similar but often carry higher rates and fees. Bridge loans from wholesale lenders can be cleaner.
Home equity lines of credit (HELOCs) are another option — but they take weeks to fund and require your home to be lien-free.
Aliso Viejo is a master-planned community in south Orange County. HOA rules and CC&Rs can affect how quickly you can list.
Townhomes and single-family homes here tend to move. A clean, staged listing paired with a bridge loan is a strong play.
Most bridge loans run 6 to 12 months. That's usually enough time to sell your Aliso Viejo home and repay the loan.
No. The whole point is to buy first. Lenders just want to confirm you have equity and a solid plan to sell.
There's no hard floor like conventional loans. Most lenders want 620 or better, but equity weighs more than your score.
Yes, most bridge loan programs are structured as interest-only. That keeps your payment low during the transition period.
Talk to your broker before that deadline hits. Many lenders will extend the term or help you refi into a longer product.
Yes, but the condo must meet the lender's warrantability standards. Townhomes and detached homes are typically easier to clear.