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Indian Wells is a luxury desert market. Properties move fast, and sellers rarely wait for contingent buyers.
A bridge loan gives you buying power now. You tap your current home's equity before it sells.
6–12 Months
Typical Loan Term
~20% of Home Value
Min Equity Required
Asset-Based Review
Credit Flexibility
Non-QM
Loan Type
Typically Interest-Only
Rate Type
Bridge Loans in Indian Wells
Bridge loans are non-QM products. Lenders focus on equity and asset strength, not just income.
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 Indian Wells.
Indian Wells is a luxury desert market. Properties move fast, and sellers rarely wait for contingent buyers.
A bridge loan gives you buying power now. You tap your current home's equity before it sells.
Bridge loans are non-QM products. Lenders focus on equity and asset strength, not just income.
Banks rarely offer bridge loans anymore. Most bridge lending comes from private and wholesale lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the bridge program that fits your timeline and equity position.
The biggest mistake I see: buyers underestimate carry costs. You're paying two mortgages for a few months.
Plan your exit before you close. If your current home doesn't sell fast, costs add up. Have a backup plan.
Hard money loans are close cousins. Both are asset-based and short-term — but bridge loans are typically cheaper.
Interest-only loans stretch affordability but don't solve the timing problem. Only a bridge loan does both.
Indian Wells has strict HOA and rental rules. Confirm your bridge property qualifies before you borrow.
Desert resort markets attract cash buyers. A bridge loan lets you compete without waiting to sell first.
Most terms run 6 to 12 months. Some lenders extend to 24 months if your departing home hasn't sold.
No. That's the point. You close on the new property first, then sell your existing home.
Requirements vary by lender. Equity matters more than credit on most bridge programs. Rates vary by borrower profile and market conditions.
Often yes, but the lender will review HOA documents. Confirm warrantability and rental rules upfront.
A HELOC is a revolving credit line. A bridge loan is a lump-sum, short-term loan designed for a specific purchase transaction.
Yes, typically. They're short-term, non-QM products. Rates vary by borrower profile and market conditions.