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San Francisco sellers rarely wait. If you need to sell before you buy, you'll lose deals.
A bridge loan lets you close on the new property now. You repay it when your current home sells.
6–12 months
Typical Loan Term
Equity-driven
Loan Basis
Interest-only typical
Rate Type
Non-QM
Loan Category
Bridge Loans in San Francisco
Bridge loans are non-QM products. Lenders focus on equity and exit strategy, not just income.
You generally need strong equity in your current property. Most lenders want 20–30% combined loan-to-value headroom.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in San Francisco.
San Francisco sellers rarely wait. If you need to sell before you buy, you'll lose deals.
A bridge loan lets you close on the new property now. You repay it when your current home sells.
Bridge loans are non-QM products. Lenders focus on equity and exit strategy, not just income.
Most retail banks don't offer bridge loans. You need a broker with non-QM wholesale access.
SRK CAPITAL shops 200+ wholesale lenders. We find the bridge programs that actually fund in SF.
The deals I see fall apart when buyers wait to list before making an offer. Don't do that here.
Structure matters on a bridge loan. Know your payoff timeline before you close. Rates vary by borrower profile and market conditions.
Hard money loans also fund fast but carry higher rates and stricter equity requirements.
Interest-only loans stretch your timeline but don't solve the liquidity gap a bridge loan fixes.
SF condos and single-family homes both move quickly when priced right. Contingent offers get passed over.
As of April 2026, SF remains one of the most equity-rich markets in California. That equity is exactly what bridge lenders want to see.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if the exit strategy supports it.
Yes, but non-warrantable buildings may face restrictions. Your broker needs to check condo approval status first.
No. A bridge loan funds before your sale closes. Repayment comes from the sale proceeds when the deal funds.
They're different, not harder. Lenders care more about equity and exit than your debt-to-income ratio.
You'll need to refinance or extend the bridge loan. Always discuss this scenario with your lender upfront.