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Los Altos Hills runs on high-value estates. Properties here rarely sit long, and sellers expect clean, committed offers.
A bridge loan gives you short-term cash to close on your next home before your current one sells. In this market, that matters.
6–24 months
Typical Loan Term
650+ preferred
Min Credit Score
20%+ in current home
Equity Required
Interest-only
Payment Structure
7–14 days
Est. Close Time
Bridge Loans in Los Altos Hills
Bridge loans are non-QM products. Lenders care most about equity in your existing property — not your W-2.
Most lenders want at least 20% equity in your current home. Strong credit helps, but the asset is what secures approval.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Los Altos Hills.
Los Altos Hills runs on high-value estates. Properties here rarely sit long, and sellers expect clean, committed offers.
A bridge loan gives you short-term cash to close on your next home before your current one sells. In this market, that matters.
Bridge loans are non-QM products. Lenders care most about equity in your existing property — not your W-2.
Banks rarely offer bridge loans. Most are funded by private and wholesale lenders who move quickly and underwrite on asset value.
We work with 200+ wholesale lenders. That reach matters here — not every lender will touch a $3M+ bridge scenario.
The deals I see fall apart when buyers wait too long to line up bridge financing. Get pre-approved before you write an offer.
Los Altos Hills sellers don't negotiate around your sale contingency. A bridge loan removes that conversation entirely.
Hard money loans are the closest alternative. They're faster but carry higher rates and fees than most bridge products.
Interest-only loans stretch payments but don't solve the timing problem. Only a bridge loan lets you carry two properties short-term.
Santa Clara County's high property values work in your favor here. More equity means more borrowing power on a bridge loan.
Los Altos Hills is unincorporated in parts, with larger lots and custom homes. Appraisals can be tricky — use a lender who knows the area.
Most terms run 6 to 12 months. Some lenders extend to 24 months if your equity supports it.
Yes. High-value properties are common in Los Altos Hills. Lenders focus on equity, not conforming limits.
No — that's the point. The bridge loan funds your purchase while your existing home is listed or pending sale.
Your exit strategy matters. Most lenders require a listed property or a clear sellable asset before funding.
Typically yes. You pay interest during the term and repay principal when your departing property closes.
Private lenders can close in 7–14 days in many cases. Rates vary by borrower profile and market conditions.