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Newport Beach doesn't wait. Coastal properties here move quickly, and sellers rarely accept contingent offers.
A bridge loan lets you buy the next property before your current one sells. That's the edge you need here.
6–12 Months
Typical Loan Term
620+
Min Credit Score
20–30%
Equity Required
Non-QM / Portfolio
Loan Type
Interest-Only Available
Rate Type
Bridge Loans in Newport Beach
Bridge loans are asset-based. Lenders focus on your existing property's equity, not your W-2.
You typically need 20–30% equity in your current home. Strong credit helps, but it's not the primary factor.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Newport Beach.
Newport Beach doesn't wait. Coastal properties here move quickly, and sellers rarely accept contingent offers.
A bridge loan lets you buy the next property before your current one sells. That's the edge you need here.
Bridge loans are asset-based. Lenders focus on your existing property's equity, not your W-2.
Most banks don't offer bridge loans. This is portfolio and private lender territory.
At SRK CAPITAL, we work with 200+ wholesale lenders — including private and non-QM lenders who specialize in this product.
The biggest mistake we see: borrowers assume they can't buy until they sell. That's a retail bank limitation, not a market reality.
Structure matters on these loans. We match each deal to the right lender based on equity, timeline, and exit strategy.
Hard money loans are similar but carry higher costs. Bridge loans from portfolio lenders are often cheaper and faster to underwrite.
Interest-only loans solve a different problem — cash flow on a property you're keeping. Bridge loans solve a timing problem.
Newport Beach properties — especially on the Peninsula and in Corona del Mar — are high-value assets. That equity makes bridge loans easier to structure.
As of April 2026, Orange County's luxury segment stays competitive. A bridge loan keeps you in the game without a contingency dragging you down.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if the exit timeline needs more room.
No — that's the point. The bridge loan funds your purchase now. You sell your existing home afterward.
Most lenders want 620 or higher, but equity is the real qualifier. Strong equity can offset a lower score.
Yes. High-value properties with strong equity are exactly what private bridge lenders prefer to work with.
Talk to your broker before closing about extension options. Many lenders allow extensions — but plan your exit before you start.
Yes. Bridge loans don't follow standard agency guidelines. They're non-QM, originated through private and portfolio lenders.