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Saratoga is one of the most competitive markets in Santa Clara County. Sellers rarely wait, and contingent offers get passed over fast.
A bridge loan lets you make a clean, non-contingent offer. You tap your current home's equity before it sells.
6–12 Months
Typical Loan Term
680+
Min Credit Score
Non-QM
Loan Type
Non-Contingent
Offer Type Enabled
Typically Higher
Rate Type
Bridge Loans in Saratoga
Bridge loans are non-QM — meaning lenders don't use standard debt-to-income rules. Your existing equity does most of the heavy lifting.
Most lenders want strong credit, low combined loan-to-value, and a clear exit strategy. That usually means your current home lists quickly.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Saratoga.
Saratoga is one of the most competitive markets in Santa Clara County. Sellers rarely wait, and contingent offers get passed over fast.
A bridge loan lets you make a clean, non-contingent offer. You tap your current home's equity before it sells.
Bridge loans are non-QM — meaning lenders don't use standard debt-to-income rules. Your existing equity does most of the heavy lifting.
Most retail banks don't offer bridge loans. Credit unions rarely touch them. This is where wholesale lenders earn their place.
We work with 200+ wholesale lenders, and only a fraction offer true bridge programs. We know which ones move fast — because in Saratoga, slow doesn't win.
The biggest mistake I see is waiting too long. By the time a client finds their target property, they haven't lined up bridge financing yet.
Get pre-approved for the bridge before you start shopping. It's the same discipline as any purchase — just with a shorter clock.
Hard money loans are faster but more expensive. They work if your credit is thin or the deal is distressed.
Interest-only loans can reduce payments on the new home — but they don't solve the contingency problem. Bridge loans do both.
Saratoga home values are high, which actually helps bridge loan math. More equity means more to borrow against.
As of April 2026, Santa Clara County remains a low-inventory market. Buyers who hesitate lose. Bridge financing removes that hesitation.
Most bridge loans run 6 to 12 months. That gives you time to sell your departing home and pay off the bridge.
Yes, but lenders want a realistic plan. Expect to list within 30–60 days of closing on the new property.
Most bridge lenders want 680 or above. Strong equity can offset minor credit blemishes, depending on the lender.
Often yes, but some bridge structures cover the old payment from the loan proceeds. It depends on the program.
Yes. Bridge loans are short-term and non-QM, so rates run higher. Rates vary by borrower profile and market conditions.
A HELOC takes weeks and requires the home to stay unlisted. Bridge loans are built for active sales — HELOCs aren't.