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Victorville moves fast for a High Desert market. When the right house appears, waiting on your sale can cost you the deal.
Bridge loans give you short-term cash to close on the new property now. You repay when your existing home sells.
6–12 Months
Typical Loan Term
20–30% Min
Equity Needed
Non-QM
Loan Type
Short-Term Fixed
Rate Type
Bridge loans are non-QM products. Lenders skip the standard debt-to-income rules that kill these deals at conventional banks.
You need meaningful equity in your departing home. Most lenders want at least 20-30% equity to work with.
Big banks rarely do bridge loans. You need a wholesale lender or private money source that actually understands the product.
At SRK CAPITAL, we shop 200+ wholesale lenders. Bridge loan guidelines vary widely — rate, term, and max LTV differ by lender.
Bankrate flagged rates climbing to 6.19% on geopolitical news. For bridge borrowers, that matters — your short-term rate is already higher than conventional.
The move: get your departing home listed fast. The shorter the bridge, the less rate exposure you carry. Don't treat it like permanent financing.
Hard money loans are the closest alternative. They're also short-term, but often carry higher fees and stricter asset requirements.
Interest-only loans are another option if your timeline is flexible. They don't solve the equity-access problem the way a bridge does.
Victorville draws buyers relocating from the LA basin for affordability. That buyer pool can be active, but seasonal slowdowns happen in the High Desert.
San Bernardino County's spread-out market means your home's sale timeline is hard to predict. Build buffer into your bridge term.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if you need more time to sell.
Yes. Bridge lenders focus on equity and exit strategy, not just your current debt load. Non-QM guidelines allow it.
You'll need a plan B — refinance into another loan or request an extension. Lenders want to see this plan upfront.
Most lenders require at least 20-30% equity in your current home. More equity means better terms.
Typically short-term fixed. Rates vary by borrower profile and market conditions — not the same as a 30-year rate.
Yes. Investor bridge loans are common. Lenders assess the property value and your repayment plan, not just income.
Bridge Loans in Victorville