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Ontario's Inland Empire market moves fast. Waiting to sell before you buy can cost you the deal.
Bridge loans give you buying power now. You tap your existing equity without waiting for escrow to close on your current home.
6–12 Months
Typical Loan Term
20–30% Min
Equity Required
Non-QM
Loan Type
Interest-Only Option
Rate Type
Case-by-Case
Credit Flexibility
Bridge loans are non-QM products. Lenders care more about equity and exit strategy than your debt-to-income ratio.
Most lenders want at least 20–30% equity in your departing home. Strong credit helps, but it's not the only lever.
Big retail banks rarely do bridge loans. This is a wholesale and private lender product.
At SRK CAPITAL, we shop across 200+ wholesale lenders. That means real options — not just one bank's appetite.
The most common mistake I see: borrowers underestimate how fast they need to sell. Your exit plan has to be airtight.
Bankrate's latest survey shows mortgage rates at 6.27% — bridge loan rates run higher than that. Price that cost against what you'd lose walking away from the right Ontario property.
Hard money loans are the closest cousin to bridge loans. Hard money is faster but usually carries higher rates and fees.
A HELOC is cheaper — but most lenders freeze HELOCs once your home hits the market. Bridge loans don't have that problem.
Ontario sits at the crossroads of major logistics corridors. Move-up buyers here are competing with investors buying near the airport and warehouse corridors.
San Bernardino County's price range means bridge loan amounts are often manageable. That makes lender approval more straightforward than in coastal markets.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your sale takes longer.
No — that's the point. A bridge loan lets you close on the new property before your current home sells.
There's no hard floor like conventional loans. Lenders focus more on equity and exit strategy than your score.
Yes. Bridge loans are short-term and non-QM — rates run above conventional. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work for both primary homes and investment properties. Lender terms differ for each.
You'll need to refinance into a longer-term loan or sell quickly. That's why a realistic exit plan is non-negotiable.
Bridge Loans in Ontario