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Carlsbad moves fast. When the right home hits the market, waiting on your sale can cost you the deal.
Bridge loans give you purchasing power now. You tap your current home's equity before it sells.
6–12 Months
Typical Loan Term
Up to 80%
Max LTV (Departing Home)
640+
Min Credit Score
Non-QM
Loan Type
Varies by Profile
Rate Type
Bridge Loans in Carlsbad
Most lenders want at least 20% equity in your departing home. Strong credit helps, but equity is the real driver.
Expect lenders to verify you can carry both payments. Debt-to-income ratios matter here more than in standard loans.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Carlsbad.
Carlsbad moves fast. When the right home hits the market, waiting on your sale can cost you the deal.
Bridge loans give you purchasing power now. You tap your current home's equity before it sells.
Most lenders want at least 20% equity in your departing home. Strong credit helps, but equity is the real driver.
Banks rarely offer bridge loans anymore. Most deals get done through non-QM and private wholesale lenders.
At SRK CAPITAL, we access 200+ wholesale lenders. That gives us real options when retail banks say no.
The biggest mistake I see: borrowers wait too long to start the bridge process. These loans take longer than buyers expect.
Get pre-approved before you make an offer. In Carlsbad, sellers aren't waiting around for financing to sort itself out.
Hard money loans are faster but more expensive. Bridge loans typically carry lower rates and longer terms.
A HELOC is cheaper if you have time. Bridge loans exist for speed — when a HELOC timeline doesn't fit the deal.
Carlsbad's coastal and village areas see strong buyer competition. Contingent offers lose to clean offers every time.
San Diego County's high price points mean equity positions are often strong — that works in your favor for bridge approval.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months for the right borrower profile.
Yes. That's exactly what bridge loans are for. You close on the new home, then sell your current one.
You'll need to refinance or sell before the bridge term ends. Have a backup plan before you borrow.
Yes. They don't meet standard qualified mortgage guidelines. Non-QM and private lenders handle most of these deals.
Most lenders cap at 75–80% of your current home's value, minus any existing mortgage balance.
Some do, some don't. Always ask upfront. A good broker negotiates this before you sign.