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Rancho Cucamonga moves fast. Waiting on your current home to close before making an offer puts you at a serious disadvantage.
A bridge loan gives you the buying power to act now. You tap your existing home's equity to fund the new purchase — then repay when your old home sells.
6–12 Months
Typical Loan Term
20–30% Min
Equity Required
680+ Preferred
Credit Focus
Non-QM
Loan Type
As Fast as 2 Weeks
Typical Close Time
Bridge Loans in Rancho Cucamonga
Bridge loans are non-QM products. That means no standard debt-to-income cap. Lenders focus on equity, exit strategy, and asset strength instead.
Most lenders want at least 20–30% equity in your departing home. Strong credit helps, but the deal structure matters more than your credit score alone.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Rancho Cucamonga.
Rancho Cucamonga moves fast. Waiting on your current home to close before making an offer puts you at a serious disadvantage.
A bridge loan gives you the buying power to act now. You tap your existing home's equity to fund the new purchase — then repay when your old home sells.
Bridge loans are non-QM products. That means no standard debt-to-income cap. Lenders focus on equity, exit strategy, and asset strength instead.
Banks rarely touch bridge loans. The lenders who do are mostly private and wholesale — exactly who SRK CAPITAL works with daily.
Rates on bridge loans run higher than conventional. You're paying for speed and flexibility, not a 30-year commitment. Rates vary by borrower profile and market conditions.
The borrowers who use bridge loans well have a plan. They know the sale timeline, the numbers, and what happens if the home sits longer than expected.
Don't use a bridge loan hoping your home sells fast. Use one knowing it will — and have a fallback if it doesn't. We walk every borrower through both scenarios.
A HELOC (home equity line of credit) is cheaper — but takes 4–6 weeks to fund and requires income verification. Bridge loans are faster and more flexible.
Hard money loans overlap with bridge loans but lean toward investment properties. If you're moving between primary residences, a bridge loan is usually the cleaner fit.
San Bernardino County properties can appraise conservatively. Your lender's appraiser determines how much equity you can pull — that number drives your bridge loan size.
Rancho Cucamonga sellers often get multiple offers. A non-contingent buyer with bridge financing competes at a different level than someone waiting on their home to close.
Most bridge loans run 6 to 12 months. Some lenders offer extensions, but you want to plan around selling your home within that window.
Yes, as long as you have sufficient equity in your departing home. San Bernardino County properties qualify — lender terms vary by deal structure.
No — that's the point. You buy the new property first, then sell. The bridge loan is repaid from your sale proceeds.
There's no hard minimum like FHA or conventional. Lenders focus on equity and exit strategy. A 680+ credit score strengthens your file considerably.
Extensions are available through some lenders, but they cost money. Build a buffer into your plan — don't count on a perfect-timing sale.
A HELOC is slower to fund and requires income docs. Bridge loans close faster and work even when DTI is too high for a HELOC approval.