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Fountain Valley moves fast. Homes here don't sit long, and sellers won't wait for your current home to sell.
A bridge loan gives you the buying power to act now. You tap your existing home's equity to fund the new purchase.
6–12 Months
Typical Loan Term
~20% of Home Value
Min. Equity Required
Non-QM Underwriting
Credit Flexibility
Non-QM / Private
Loan Type
Higher Than Conventional
Rate Type
Bridge Loans in Fountain Valley
Bridge loans are non-QM products. Lenders care more about your equity position than your debt-to-income ratio.
Most lenders want at least 20% equity in your departing 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 Fountain Valley.
Fountain Valley moves fast. Homes here don't sit long, and sellers won't wait for your current home to sell.
A bridge loan gives you the buying power to act now. You tap your existing home's equity to fund the new purchase.
Bridge loans are non-QM products. Lenders care more about your equity position than your debt-to-income ratio.
Big banks don't do bridge loans. You need a non-QM lender or a private money source — that's where a broker earns their fee.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in short-term bridge products for Orange County borrowers.
The biggest mistake buyers make: assuming they'll sell fast and underestimating carrying costs. Budget for both mortgages.
Your bridge loan payoff depends on selling your current home. Price it right from day one. A slow sale kills your timeline.
Some buyers try a HELOC instead. That works if your lender allows it and you have time — but many sellers won't wait.
Hard money loans are another option. They move faster but cost more. Bridge loans typically offer better terms for owner-occupants.
Fountain Valley sits in central Orange County. Demand here is consistent, which helps your departing home sell on schedule.
As of April 2026, Orange County remains a seller-favored market. That's good news for your exit strategy on the bridge loan.
Most bridge loans run 6 to 12 months. Some lenders offer up to 24 months if your situation requires more time.
No — that's the point of a bridge loan. You buy first, then sell your current home to pay off the bridge.
Bridge loans carry higher rates than conventional mortgages. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work for both owner-occupied and investment properties. Investor deals may have different equity requirements.
Talk to your lender early — many offer extensions. Having a realistic list price from the start is your best protection.
They overlap but aren't identical. Bridge loans focus on the transition between properties. Hard money is broader and typically costs more.