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Cupertino moves fast. Sellers here rarely wait for contingent buyers.
A bridge loan lets you act like a cash buyer. You close on the new property before selling the old one.
6 – 12 Months
Typical Loan Term
20%+ on Departure
Equity Required
Higher than 30yr Fixed
Rate Type
Non-QM
Loan Category
Bridge Loans in Cupertino
Bridge loans are non-QM products. Lenders underwrite them differently than conventional loans.
Most lenders want strong equity in your departing home — usually 20% or more. Credit requirements vary by lender.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Cupertino.
Cupertino moves fast. Sellers here rarely wait for contingent buyers.
A bridge loan lets you act like a cash buyer. You close on the new property before selling the old one.
Bridge loans are non-QM products. Lenders underwrite them differently than conventional loans.
Big retail banks rarely offer bridge loans. Most are funded by private and wholesale lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. That reach matters on a niche product like this.
The deals that fall apart here usually have one problem: the buyer couldn't perform without selling first.
A bridge loan solves that. Your offer stops looking contingent. In Cupertino, that's a real competitive edge.
Hard money loans are similar but typically carry higher rates and fees. Bridge loans from wholesale lenders are often cleaner.
Interest-only loans stretch payments out. A bridge loan is built for speed — not for holding long term.
Santa Clara County properties are expensive. A bridge loan here can involve significant loan amounts.
Many Cupertino homeowners carry substantial equity. That equity is what makes bridge financing possible.
Most bridge loans run 6 to 12 months. You sell your current home and pay it off within that window.
No — that's the point. The bridge loan lets you buy first. Your current home sells while you're already moved.
Yes. Bridge loans are short-term and non-QM. Rates are higher. Rates vary by borrower profile and market conditions.
Most lenders want at least 20% equity in your departing property. More equity means better terms.
Yes, some lenders allow it. Investor bridge loans have different underwriting — we can walk you through options.
You'll need to pay off or extend the bridge loan. Have a backup plan before you close.