Loading
Loading
Seal Beach moves fast. When the right property surfaces, waiting on your current sale can cost you the deal.
A bridge loan gives you short-term cash to close on the new home before your existing property sells.
6–12 Months
Typical Loan Term
20%+ Typical
Equity Required
Non-QM
Loan Type
10–14 Days
Avg Close Time
Asset-Based UW
Credit Flexibility
Bridge Loans in Seal Beach
Bridge loans are non-QM. Lenders focus on your equity, not your pay stubs.
Most lenders want at least 20% equity in your departing property and a clear exit strategy — the sale or a refinance.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Seal Beach.
Seal Beach moves fast. When the right property surfaces, waiting on your current sale can cost you the deal.
A bridge loan gives you short-term cash to close on the new home before your existing property sells.
Bridge loans are non-QM. Lenders focus on your equity, not your pay stubs.
Banks rarely offer bridge loans. This product lives in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders — many of them active in Orange County bridge financing.
The exit strategy makes or breaks bridge loan approval. Lenders need to see how you're paying them back.
If your departing home is already listed and priced right, that strengthens your file significantly.
Hard money loans are the closest alternative. They're faster but carry higher rates and fees.
A HELOC on your current home can work — but approval takes time and requires income documentation.
Seal Beach sits at the northern edge of Orange County. Inventory stays tight and quality properties draw multiple offers.
Buyers who can waive financing contingencies — enabled by a bridge loan — have a real edge in competitive situations.
Most bridge loans run 6 to 12 months. Some lenders offer up to 24 months if your exit timeline is longer.
No. That's the point of a bridge loan. You need equity in your current home and a plan to sell or refinance.
Requirements vary by lender. Many bridge lenders prioritize equity over credit score. Rates vary by borrower profile and market conditions.
Some programs let you roll interest into the loan so you don't pay monthly. Your lender sets the structure.
Yes, but lender appetite varies by property type. Warrantability and HOA financials can factor into approval.
Many bridge loans close in 10 to 14 days. Speed depends on the lender and how quickly you provide documentation.