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Highland sits in San Bernardino County's Inland Empire, where move-up buyers constantly face the same problem: they need to buy before their current home closes.
A bridge loan covers that gap. It taps your existing home's equity to fund the new purchase — no waiting, no contingencies.
6–12 Months
Typical Loan Term
75–80%
Max Combined LTV
~680
Min Credit Score
20–30% in Dept. Home
Equity Required
10–15 Business Days
Typical Funding Time
Bridge loans are asset-based. Lenders care more about your equity position than your W-2. Expect to need 20–30% equity in your departing home.
Credit still matters, but a 680 score is typically enough. Most lenders want a clear exit strategy — usually the pending sale of your current home.
Most banks don't touch bridge loans. Credit unions rarely offer them. This product lives almost entirely with private and wholesale lenders.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones who actually do bridge loans well — fast funding, clean terms, no surprises.
The biggest mistake move-up buyers make is waiting too long. If your target home in Highland goes pending, you've lost it — contingency or no contingency.
A bridge loan lets you make a clean, non-contingent offer. That's a real edge in any market where sellers get multiple bids.
Hard money loans are close cousins to bridge loans. They're faster but usually more expensive. If you have strong equity and a solid exit, a bridge loan is the cleaner option.
Interest-only loans can stretch your budget but don't solve the timing problem. Bridge loans do one specific job — and they do it well.
Highland is a mid-priced Inland Empire market. Move-up buyers here often have solid equity but face competitive conditions when targeting their next home.
San Bernardino County properties close on standard California timelines. A bridge loan funded in 10–15 business days keeps you competitive without a sale contingency dragging you down.
Most bridge loans run 6 to 12 months. That gives you time to sell your Highland home and pay off the bridge without pressure.
Some bridge loans defer payments until the end. Others require monthly interest-only payments. Terms vary by lender — we'll show you both structures.
Some lenders allow extensions for a fee. Your exit strategy needs to be realistic from day one. We evaluate this before you apply.
Yes. A signed purchase contract on your current home strengthens your file. Lenders love a documented exit strategy.
It depends on your usable equity and the lender's LTV limits. Most cap the combined loan-to-value at 75–80% across both properties.
They're different, not harder. Income documentation is more flexible. Equity and exit strategy carry more weight than debt-to-income ratios.
Bridge Loans in Highland