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Campbell's housing market moves fast. Waiting until your current home sells before making an offer puts you at a serious disadvantage.
A bridge loan gives you short-term cash to close on a new property now. You repay it once your existing home sells.
6–12 Months
Typical Loan Term
Non-QM
Loan Type
20%+ Typical
Equity Needed
Required
Exit Strategy
Higher Than Conv.
Rate Type
Bridge Loans in Campbell
Bridge loans are non-QM products. That means lenders set their own rules — and those rules vary a lot across 200+ wholesale lenders.
Most lenders want strong equity in your current home. Expect to need at least 20% equity, decent credit, and provable exit strategy.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Campbell.
Campbell's housing market moves fast. Waiting until your current home sells before making an offer puts you at a serious disadvantage.
A bridge loan gives you short-term cash to close on a new property now. You repay it once your existing home sells.
Bridge loans are non-QM products. That means lenders set their own rules — and those rules vary a lot across 200+ wholesale lenders.
Most retail banks won't touch bridge loans. You need access to wholesale or private lenders who actually specialize in short-term financing.
As a broker with 200+ lenders, we shop this product across the market. Terms differ significantly — rate, LTV, and fees are all negotiable.
The deals I see fall apart when borrowers underestimate bridge loan costs. These carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.
Plan your exit clearly before you close. Lenders want to see your current home listed or under contract. Vague timelines kill approvals fast.
Bridge loans aren't the only short-term option. Hard money loans can fund similar scenarios, sometimes faster, with fewer documentation hurdles.
If you're an investor, a DSCR or investor loan may serve you better long-term. Bridge is best when the timeline is tight and equity is solid.
Campbell sits in Santa Clara County — one of the highest-cost housing markets in the country. Homes here carry serious equity, which works in your favor for bridge loan sizing.
Sellers in Campbell often get multiple offers quickly. Having bridge financing in place means you can move without contingencies — a real edge in this zip code.
Most bridge loans run 6 to 12 months. Some lenders allow extensions, but that adds cost — plan to sell your existing home quickly.
No. Bridge loans are designed for this gap period. You typically need equity and a clear plan to sell, not a completed sale.
Requirements vary by lender since these are non-QM products. Stronger credit improves your terms, but this isn't a one-size-fits-all rule.
Yes. Investors use bridge loans in Campbell to move fast on acquisitions. Pairing with an investor loan long-term is a common exit strategy.
Yes — expect higher rates and origination fees. Rates vary by borrower profile and market conditions. The cost is the price of speed and flexibility.
Most lenders want at least 20% equity in your departing residence. Higher equity typically means better terms and easier approval.