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Upland moves fast. When the right property hits the market, waiting on your current home to sell can cost you the deal.
A bridge loan gives you short-term cash to close on the new property. You repay it once your existing home sells.
6–12 Months
Typical Loan Term
620+
Min Credit Score
20–30% Min
Equity Required
Higher than Conv.
Rate Type
10–15 Business Days
Est. Close Time
Bridge Loans in Upland
Bridge loans are non-QM products. Lenders focus on equity, not tax returns or debt-to-income ratios.
You typically need strong equity in your departing home. Most lenders want at least 20–30% equity to approve the bridge.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Upland.
Upland moves fast. When the right property hits the market, waiting on your current home to sell can cost you the deal.
A bridge loan gives you short-term cash to close on the new property. You repay it once your existing home sells.
Bridge loans are non-QM products. Lenders focus on equity, not tax returns or debt-to-income ratios.
Big banks rarely offer bridge loans. This product lives in the wholesale and private lending space.
SRK CAPITAL works with 200+ wholesale lenders. We find the bridge programs that match your equity position and timeline.
The biggest mistake borrowers make: assuming their home will sell in 30 days. Build in buffer on your bridge term.
Also watch the rate. Bridge loans price higher than conventional. Factor that cost into your buy-sell math before you commit.
A home equity line of credit (HELOC) is cheaper but slower. It won't close in time for a competitive Upland offer.
Hard money loans are similar but often more expensive. Bridge loans from wholesale lenders typically offer better terms for residential transitions.
Upland sits in San Bernardino County, where move-up buyers are active. Sellers here often need to buy before they list.
As of April 2026, competition in the Inland Empire means contingent offers get passed over. A bridge removes your sale contingency entirely.
Most bridge loans run 6 to 12 months. Some lenders offer up to 24 months for harder-to-sell properties.
Yes, in most cases. Your existing mortgage, the bridge payment, and your new mortgage all run simultaneously until your home sells.
Most lenders want 620 or higher. But equity is the real qualifier — strong equity can offset a lower score.
Yes. Bridge loans work for both primary residences and investment properties. Lender requirements vary by property type.
Faster than conventional — often 10 to 15 business days. Speed depends on your lender and how quickly you provide documents.
You'll need to extend or refinance the bridge. Build a realistic sale timeline into your plan before you borrow. Rates vary by borrower profile and market conditions.