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Mountain View moves fast. Homes get multiple offers, and waiting on your current sale can cost you the next deal.
A bridge loan gives you buying power now. You close on the new property before selling the old one.
6–12 Months
Typical Loan Term
680+ Typical
Min Credit Score
20–30% Min
Equity Required
Non-QM
Loan Type
Varies by Profile
Rate Type
Lenders look at equity in your departing home. Most want at least 20–30% equity to approve a bridge loan.
Your credit score matters, but cash flow matters more. Lenders want to see you can carry both payments temporarily.
Most big banks don't offer bridge loans. This is a wholesale and private lender product.
At SRK CAPITAL, we shop across 200+ lenders to find bridge programs that fit Silicon Valley deal timelines.
The biggest mistake I see: borrowers wait too long to apply. Bridge loans take time to underwrite.
Start the process before you find the home you want. That way, you're ready to move when the right deal appears.
A bridge loan isn't the only path. Home equity lines of credit (HELOCs) work if you have time and don't need to close fast.
Hard money loans are faster but more expensive. Bridge loans sit in the middle — structured, but not as rigid as conventional.
Mountain View is one of the most competitive zip codes in Santa Clara County. Contingent offers get ignored here.
Tech employees with RSUs often have strong equity positions — bridge loans are a natural fit for this borrower profile.
Most bridge loans run 6 to 12 months. That gives you time to sell your current home and pay off the bridge.
No — the point of a bridge loan is to remove the contingency. You close on the new home without waiting for your sale.
You'll need to refinance or extend the bridge term. This is why a realistic exit strategy matters before you start.
Yes. Bridge loans are non-QM products. They don't meet standard agency guidelines, so bank options are limited.
It depends on your current home's equity and the lender's LTV limits. Most programs cap at 70–80% combined LTV.
Bridge Loans in Mountain View