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Los Alamitos moves fast. When a good property hits the market, waiting to sell first is often not an option.
A bridge loan gives you short-term capital to close on the new property now. You repay it once your current home sells.
6–12 Months
Typical Loan Term
650+
Min Credit Score
20–30% in current home
Equity Required
10–15 Days
Typical Close Time
Non-QM
Loan Type
Bridge Loans in Los Alamitos
Bridge loans are non-QM products. Standard debt-to-income rules don't apply the same way.
Lenders focus on equity. You typically need 20–30% equity in your existing property to qualify.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Los Alamitos.
Los Alamitos moves fast. When a good property hits the market, waiting to sell first is often not an option.
A bridge loan gives you short-term capital to close on the new property now. You repay it once your current home sells.
Bridge loans are non-QM products. Standard debt-to-income rules don't apply the same way.
Most retail banks don't offer bridge loans. This product lives in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. That reach matters when you're sourcing a niche short-term product like this.
The deals that fall apart here usually have one problem: no clear exit. Lenders want to know exactly how you're paying this back.
If your current home is listed and priced right, that's a strong exit. If it's not on the market yet, some lenders get nervous.
Hard money loans cover similar timing needs but cost more. Bridge loans from wholesale lenders usually come with lower rates.
A home equity line of credit (HELOC) is cheaper but slower. If you need 30-day close speed, bridge loans win.
Los Alamitos sits at the edge of Orange and LA Counties. That location draws buyers from both directions — competition is real.
Properties here tend to sell, but timing varies by street and property type. Your bridge loan term needs to match your realistic sale timeline.
Most bridge loans run 6 to 12 months. Some lenders offer extensions, but carry costs make shorter timelines smarter.
No — that's the point. You qualify based on equity in your current home. The sale happens after you close on the new property.
Most wholesale lenders want 650 or higher. Stronger credit means better rates. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work for both primary residences and investment properties. Investor deals may face stricter equity requirements.
Many bridge loans close in 10 to 15 days. That speed is the main reason buyers use them in competitive markets.
Both are short-term, but bridge loans from wholesale lenders typically carry lower rates. Hard money is faster but costs more.