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Murrieta moves fast. When the right home hits the market, waiting on your sale can cost you the deal.
A bridge loan gives you short-term cash to close on the new property. You repay it once your current home sells.
6 – 12 Months
Typical Loan Term
20%+ in Current Home
Equity Required
Non-QM
Loan Classification
Usually Interest-Only
Rate Type
200+ Wholesale Lenders
Lender Network
Bridge loans are non-QM products. Lenders focus on equity in your current home, not just your income.
Most lenders want at least 20% equity in the departing property. Strong credit helps, but it's not the only factor.
Big banks rarely offer bridge loans. This product lives in the wholesale and private lending space.
SRK CAPITAL works with 200+ wholesale lenders. We find the bridge programs that fit your timeline and equity position.
The deals we see fall apart when buyers list first and then shop. In Murrieta, that sequence is backwards.
Get the bridge loan lined up before you make an offer. Close on the new home. Then sell from a position of strength.
A HELOC is cheaper, but it takes weeks to set up and requires your current home as collateral while you still live there.
Bridge loans close faster and don't require a pending sale. For Murrieta buyers on a tight timeline, that speed is the point.
Murrieta is one of the more active markets in Riverside County. Multiple-offer situations are common on move-in-ready homes.
Sellers here favor clean offers. Coming in contingency-free with bridge financing makes your offer stand out immediately.
Most bridge loans run 6 to 12 months. That's typically enough time to sell your current home and pay off the bridge.
No. Bridge loans are designed for buyers who haven't sold yet. Your equity in the current home is the key qualifier.
Requirements vary by lender. Bridge loans are non-QM, so credit is one factor — not the deciding one.
Yes. That's the main reason buyers use them. You close on the new home first, then sell your existing property.
Yes, typically. They're short-term non-QM products. Rates vary by borrower profile and market conditions.
We shop across 200+ wholesale lenders. Bridge programs aren't one-size-fits-all — we match your equity and timeline to the right lender.
Bridge Loans in Murrieta