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Sunnyvale moves fast. Homes get multiple offers, and sellers rarely wait for buyers with contingencies.
A bridge loan lets you act on your next home now. You tap your current home's equity before it sells.
6–12 Months
Typical Loan Term
660+ (varies)
Min Credit Score
Fixed, Short-Term
Rate Type
Non-QM
Loan Category
10–15 Business Days
Est. Close Time
Bridge Loans in Sunnyvale
Bridge loans are non-QM products. That means lenders set their own rules — and those rules vary widely.
Most lenders want strong equity in your current home. Expect to need 20–30% equity minimum to qualify.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Sunnyvale.
Sunnyvale moves fast. Homes get multiple offers, and sellers rarely wait for buyers with contingencies.
A bridge loan lets you act on your next home now. You tap your current home's equity before it sells.
Bridge loans are non-QM products. That means lenders set their own rules — and those rules vary widely.
Banks rarely offer bridge loans anymore. Most are priced and funded through private and wholesale lenders.
We work with 200+ wholesale lenders. That reach matters when you need a short-term product with flexible terms.
The biggest mistake I see: borrowers assume their bank will do this. Most won't, or they'll take 45 days.
Bridge loans are speed tools. If your situation needs fast close, this product is built for exactly that.
Hard money loans are the closest alternative. They're faster but often costlier and shorter in term.
Interest-only loans can reduce payment load. But they won't solve the contingency problem a bridge loan does.
Santa Clara County prices are high. Your departing home likely has significant equity — that works in your favor.
Tech layoffs and stock swings affect local buyer timelines. Bridge loans give you flexibility if your sale slips.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months, but costs add up fast.
No — that's the point. You close on the new home first. Your existing home sells during the bridge period.
You'll still owe bridge loan payments. Have a fallback plan — a price drop strategy or rental option.
Yes. Bridge loans work for investor purchases too. Lenders evaluate the asset and your equity position.
Most are fixed for the short term. Rates vary by borrower profile and market conditions.
Often 10 to 15 business days with the right lender. That speed is why buyers use them in competitive markets.