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Bridge Loans in Los Altos Hills
Do I need to sell my current home before buying in Los Altos Hills?
No — a bridge loan lets you buy first and sell later. You'll carry both mortgages briefly, but you avoid losing the home to another buyer.
01
Los Altos Hills buyers often compete for homes above the conforming limit. Bridge loans close in 7 to 14 days, letting you make an offer without a sale contingency.
Santa Clara County's median household income of $159,674 supports homes well into seven figures. A bridge loan covers the gap between your current home's sale and your new purchase closing.
7-14 days
Typical Close Time
680 FICO
Minimum Credit Score
Minimum 20%
Equity Required
1-3% higher
Rate vs. Permanent
02
Bridge loans require solid credit (typically 680+) and substantial equity in your current home. Lenders want at least 20% equity as collateral for the bridge amount.
Los Altos Hills homes regularly exceed $1,249,125, the 2026 conforming limit. Bridge lenders evaluate both properties — the one you're selling and the one you're buying.
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 buyers often compete for homes above the conforming limit. Bridge loans close in 7 to 14 days, letting you make an offer without a sale contingency.
Santa Clara County's median household income of $159,674 supports homes well into seven figures. A bridge loan covers the gap between your current home's sale and your new purchase closing.
Bridge loans require solid credit (typically 680+) and substantial equity in your current home. Lenders want at least 20% equity as collateral for the bridge amount.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
Bridge lenders in California fall into two camps: portfolio lenders who hold loans on their books, and correspondent lenders who sell to investors. Portfolio lenders often move faster because they don't need investor approval.
Most bridge lenders require a pre-approval on your permanent financing before funding. This protects them against rate risk during the bridge period.
04
Bridge loans make sense in Los Altos Hills when you've found your next home but your current sale hasn't closed. If you're competing against all-cash buyers, a bridge removes contingencies and strengthens your offer.
Bridge loans don't make sense if your current home is already sold or if you have time to wait. Use one only when you have a signed offer on the new home and a realistic sale timeline.
05
A bridge loan closes in days; a traditional contingent offer takes weeks and risks losing the home. With a bridge, you remove the sale contingency and compete as a cash buyer.
Home equity lines of credit are cheaper than bridge loans but slower to access. A HELOC might take 30 days to fund, while a bridge closes in 7 to 14 days.
06
Santa Clara University and Sutter Health are launching the Bay Area's first new medical school in over 100 years. This $175 million investment signals long-term regional growth and professional opportunity.
Mitchell Park Place, a 50-unit affordable housing development, officially opened in nearby Palo Alto. That kind of infrastructure investment supports stable property values for buyers here.
07
Bridge lending in California surged as home prices climbed and sale timelines stretched. Los Altos Hills, with median prices well above the conforming limit, sees steady bridge activity.
Portfolio lenders dominate the bridge market because they can fund quickly without investor approval. Most bridge closings happen within 10 to 14 days once the appraisal on the new property clears.
FAQ
No — a bridge loan lets you buy first and sell later. You'll carry both mortgages briefly, but you avoid losing the home to another buyer.
Lenders typically allow 80% of your current home's value minus what you owe. If your home is worth $1,200,000 and you owe $400,000, you can borrow roughly $560,000.
Most bridge loans last 6 months, though some extend to 12 months. You'll pay interest-only during this period.
Bridge rates typically run 1% to 3% above your permanent mortgage rate. Rates vary by lender, equity position, and loan amount.
Yes — that's the entire point of a bridge loan. You don't need a sale to close; you just need solid equity and a signed offer on your new home.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Santa Clara County
Our team of licensed mortgage brokers works Santa Clara County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Santa Clara County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.