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Chula Vista moves fast. When you find the right property, waiting to sell your current home first can cost you the deal.
Bridge loans fill that gap. You tap your existing equity now and repay the loan once your home sells.
6–12 Months
Typical Loan Term
~20% of Home Value
Min Equity Needed
Higher Than Conv.
Rate Type
7–14 Days Possible
Close Timeline
Non-QM
Loan Classification
Bridge Loans in Chula Vista
Lenders look at your existing equity first. Most want at least 20% equity in your departing residence.
Credit requirements are looser than conventional loans. But your debt-to-income ratio still matters — carrying two mortgages temporarily is the core risk lenders evaluate.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Chula Vista.
Chula Vista moves fast. When you find the right property, waiting to sell your current home first can cost you the deal.
Bridge loans fill that gap. You tap your existing equity now and repay the loan once your home sells.
Lenders look at your existing equity first. Most want at least 20% equity in your departing residence.
Big banks rarely offer bridge loans. This product lives in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. That access matters here — bridge loan terms vary sharply from one lender to the next.
The deals where bridge loans make sense share one trait: a motivated seller won't wait 60 days for your home to close.
Structure matters as much as rate. Some lenders will carry both mortgages in the bridge calculation. Others won't. That difference affects your approval.
Hard money loans are the closest alternative. They're faster to close but carry higher rates and fees than bridge loans.
A HELOC on your current home is cheaper — if you have time. Bridge loans are for when you don't.
Chula Vista's proximity to the border and continued housing development in Otay Ranch keeps buyer competition real. Sellers don't wait on contingent offers.
As of April 2026, San Diego County remains a seller-favoring market. A bridge loan removes your sale contingency and puts you in a stronger position.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your property needs time to sell.
No. That's the point. You close on the new property first and repay the bridge loan when your old home sells.
Requirements vary by lender. Most private bridge lenders care more about your equity position than your credit score.
Yes. Rates are higher and fees are steeper. You're paying for speed and flexibility, not long-term cost. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work for investment purchases too. Lenders will scrutinize the exit strategy more closely on non-owner-occupied deals.
Private bridge lenders can close in 7 to 14 days. That speed is exactly why buyers use them in competitive markets.