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Escondido moves fast. When the right property hits the market, waiting to sell your current home first can cost you the deal.
A bridge loan gives you short-term capital to close on your next purchase. You repay it once your existing property sells.
6 – 12 months
Typical Loan Term
70 – 75%
Max Combined LTV
Non-QM product
Credit Flexibility
10 – 15 business days
Typical Close Time
Non-QM / Private
Loan Classification
Bridge Loans in Escondido
Bridge loans are Non-QM products. Lenders care more about your equity and exit strategy than your W-2 income.
Most lenders want at least 20-30% equity in your departing home. Strong credit helps but isn't the only factor.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Escondido.
Escondido moves fast. When the right property hits the market, waiting to sell your current home first can cost you the deal.
A bridge loan gives you short-term capital to close on your next purchase. You repay it once your existing property sells.
Bridge loans are Non-QM products. Lenders care more about your equity and exit strategy than your W-2 income.
Big retail banks rarely do bridge loans. This product lives in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones price bridge loans competitively for San Diego County borrowers.
The biggest mistake I see: borrowers wait too long and try to bridge with almost no equity left. Don't do that.
Your exit strategy has to be airtight. Lenders want to know your departure home is listed or under contract.
Hard money loans are close cousins to bridge loans. Hard money typically funds faster but costs more.
Interest-only loans can buy time, but they don't solve the gap problem the way a bridge structure does.
San Diego County is a competitive market. Sellers often pick offers that aren't contingent on another sale.
A bridge loan lets you write a clean, contingency-free offer in Escondido. That's a real advantage over buyers who need to sell first.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months for the right borrower profile.
No, but your departure home should be listed or near listing. Lenders want a clear, credible exit strategy.
Yes. Bridge loans carry higher rates due to their short-term nature and risk profile. Rates vary by borrower profile and market conditions.
Often yes. Bridge loans are Non-QM, so income documentation rules are more flexible than conventional loans.
Most lenders cap combined LTV at 70-75%. Your available equity drives how much you can borrow.
Private and wholesale lenders can often close in 10 to 15 business days. Speed depends on documentation and title.