Loading
San Bernardino moves fast. Waiting on your sale to close before buying can cost you the next property.
A bridge loan gives you short-term cash to act now. You tap your current home's equity and repay when it sells.
6–12 Months
Typical Loan Term
~20% of Home Value
Min Equity Required
Non-QM
Loan Type
Above 30-yr fixed
Rate Benchmark
Bridge loans are non-QM products. Lenders focus on equity and exit strategy, not debt-to-income ratios.
Most lenders want at least 20% equity in your departing property. Strong credit helps but isn't the deciding factor.
Big retail banks rarely offer bridge loans anymore. This product lives in the wholesale and private lending space.
As a broker with 200+ wholesale lenders, we find programs that fit your timeline and property type.
Bankrate flagged rates climbing to 6.19% on geopolitical pressure. Bridge loan rates run higher than that. Know your cost before you commit.
The key with any bridge deal is a clean exit. Have your departing property listed or under contract before funding.
Hard money loans are similar but often faster and more expensive. Bridge loans from wholesale lenders can offer better terms.
Interest-only loans are long-term tools. Bridge loans are surgical — short duration, specific purpose, then paid off.
San Bernardino County is large and varied. Property type and location affect which lenders will fund a bridge loan here.
Inland Empire deals can move quickly in competitive pockets. A bridge loan removes the contingency that kills deals.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months depending on the deal.
No. The whole point is to buy before you sell. Your current property secures the loan during the transition.
There's no hard floor like conventional loans. Lenders focus on equity and exit strategy first, credit second.
Yes. Many bridge programs cover both primary residences and investment properties in San Bernardino County.
You'll need to refinance or extend. This is why having your property listed before funding is critical.
Bridge Loans in San Bernardino