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Huntington Beach moves fast. Sellers here rarely wait around for contingent offers.
A bridge loan lets you tap your current home's equity to fund the next purchase. You close clean, then sell on your own timeline.
620+
Min Credit Score
20–30%
Equity Required
6–12 Months
Typical Loan Term
Non-QM
Loan Type
Above Conventional
Rates (vary by profile)
Bridge loans are non-QM products. Lenders care more about equity than your debt-to-income ratio.
Most lenders want at least 20–30% equity in your departing home. Your credit score still matters — expect a 620 minimum, often higher.
Big retail banks rarely offer bridge loans. Most have exited this space entirely.
Wholesale lenders and private money sources carry most of this volume. That's exactly where we operate — across 200+ lenders to find the right fit.
Bankrate's latest survey shows mortgage rates at 6.27% — and bridge loans price above that. Factor in the short term and it often still pencils out.
The math works when your equity is strong and your current home sells quickly. Price your departing home right. A slow sale is the biggest risk on a bridge.
A HELOC is cheaper but slower and requires the home to still be your primary. Bridge loans close faster and work even if you're listing soon.
Hard money loans are a close cousin — faster still, but higher cost. Bridge loans sit between hard money and traditional financing on speed and price.
Orange County coastal inventory is tight. When a good property hits the market in Huntington Beach, it rarely waits for a contingent buyer.
Bridge financing makes your offer competitive here. Sellers see a clean, non-contingent offer and you move without losing the property you want.
Most bridge loans run 6 to 12 months. Some lenders offer up to 24 months if your exit plan supports it.
No. That's the point. You qualify based on equity in your current home, then sell after you've already closed on the new one.
Most lenders want 620 or higher. Stronger credit gets better pricing — equity alone won't override a weak score.
Yes. Bridge loans work on primary residences and investment properties. Lender terms differ by property type.
You'll need to refinance or extend the loan. Have a backup plan before you close — this is the scenario every lender will ask about.
Yes. Bridge loans don't meet standard Fannie Mae or Freddie Mac guidelines. They're priced and underwritten differently than conventional loans.
Bridge Loans in Huntington Beach