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Los Altos is one of the most competitive markets in Santa Clara County. Sellers here rarely wait for contingent offers.
A bridge loan lets you act like a cash buyer. You tap your existing home's equity before the sale closes.
6–12 Months
Typical Loan Term
660+
Est. Min. Credit Score
Up to 70–80%
Typical LTV
Non-QM
Loan Type
10–15 Business Days
Est. Close Time
Bridge Loans in Los Altos
Bridge loans are non-QM products. That means lenders use asset-based underwriting, not standard income docs.
Expect lenders to want strong equity — usually 20–30% in your departing home. Credit and reserves still matter.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Los Altos.
Los Altos is one of the most competitive markets in Santa Clara County. Sellers here rarely wait for contingent offers.
A bridge loan lets you act like a cash buyer. You tap your existing home's equity before the sale closes.
Bridge loans are non-QM products. That means lenders use asset-based underwriting, not standard income docs.
Retail banks rarely offer bridge loans. Most of the best programs sit at the wholesale and private lending level.
We work with 200+ wholesale lenders. Bridge loan terms, fees, and LTV caps vary dramatically across them.
In Los Altos, timing is everything. The gap between close of escrow on your new buy and your sale can cost you deals.
The cleanest bridge deals I see have a clear exit: a listed property or a signed sale contract. Lenders love that.
Hard money loans are close cousins to bridge loans. Both are short-term and asset-based, but bridge loans typically carry lower rates.
Interest-only loans are a longer-term play. If your timeline is under a year, a bridge loan is cleaner than restructuring long-term debt.
Los Altos homes frequently go over asking. Sellers pick offer strength over contingencies every time.
High property values in Santa Clara County mean large loan amounts. Confirm your lender's bridge loan maximum before you start.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if the exit strategy is strong.
No. The whole point is buying before you sell. Lenders underwrite based on equity in your departing home.
There's no hard universal minimum — it's a non-QM product. Most lenders want to see at least a 660 score.
Yes. Bridge loans carry higher rates due to short terms and non-QM structure. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work for investment properties. LTV requirements and pricing will differ from a primary home deal.
Faster than most loans — often 10 to 15 business days. Speed depends on clean title and complete documentation.