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Apple Valley moves fast enough that waiting to sell before you buy is a real risk. A bridge loan lets you act on the right property now.
San Bernardino County has seen strong demand in the High Desert. Sellers here rarely wait for contingent buyers.
6–12 Months
Typical Loan Term
20–30% Min
Equity Required
Non-QM
Loan Type
Higher Than Conv.
Rate Type
Equity + Assets
Approval Focus
Bridge Loans in Apple Valley
Bridge loans are non-QM products. Lenders care more about your equity position than your pay stubs.
You generally need 20–30% equity in your current home. Strong credit helps, but asset strength drives approval here.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Apple Valley.
Apple Valley moves fast enough that waiting to sell before you buy is a real risk. A bridge loan lets you act on the right property now.
San Bernardino County has seen strong demand in the High Desert. Sellers here rarely wait for contingent buyers.
Bridge loans are non-QM products. Lenders care more about your equity position than your pay stubs.
Most retail banks won't touch bridge loans. You need a wholesale lender or private capital source.
SRK CAPITAL works with 200+ wholesale lenders. We find bridge programs built for Apple Valley borrowers.
The biggest mistake we see: borrowers underestimate carrying costs. You're paying two mortgages until the old home sells.
Run the math on your worst-case timeline. If it takes 6 months to sell, can you cover both payments? Know that number before you commit.
Hard money loans are the closest alternative. They're also short-term but skew toward investors and rehab deals.
A bridge loan fits better when you're buying a primary or second home, not a flip. The structure and lender expectations differ significantly.
Apple Valley is a high-desert market with distinct seasonal patterns. Homes move faster in spring and summer.
San Bernardino County properties can appraise unpredictably. Your bridge lender will underwrite based on current value — not what you expect to sell for.
Most bridge loans run 6 to 12 months. Some lenders offer extensions — but those cost extra.
No. That's the point. You qualify based on equity in your current home, then sell after you close.
Yes, noticeably higher. Bridge loans are short-term, non-QM products — the rate reflects that risk. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work for investment purchases too. Pair it with a longer-term investor loan once you sell.
You'll need an extension or a refinance. This is why your exit strategy must be solid before you start.