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Bridge Loans
Short-Term Financing for Seamless Transitions
Updated: February 2026
Reviewed: February 2026 by Sebastian Naranjo, NMLS #2313958
Bridge the Gap to Your Dream Home with SRK CAPITAL
When timing is everything in real estate, bridge loans provide the flexible financing solution you need. At SRK CAPITAL, we understand that buying your next home while selling your current one can be challenging. Our bridge loan solutions offer the freedom and flexibility to secure your dream property without waiting for your existing home to sell.
Quick Closing
Close on your new home in as little as 2-3 weeks
Flexible Terms
Short-term financing solutions tailored to your needs
Competitive Advantage
Make non-contingent offers that stand out to sellers
What Is a Bridge Loan?
A bridge loan is a short-term financing solution designed to "bridge" the gap between the purchase of a new property and the sale of your existing home. This temporary financing allows you to access the equity in your current home to use as a down payment on your next property, giving you the flexibility to move forward with your purchase without waiting for your current home to sell.
Short-term financing solutions
Uses your current home as collateral
Provides immediate access to home equity
Allows you to make competitive, non-contingent offers
Interest-only payment options available
Flexible financing based on your home equity
How Do Bridge Loans Work?
01
Application & Approval
Apply for a bridge loan using your current home as collateral. Our team will evaluate your equity position and creditworthiness for quick approval.
02
Secure Your New Home
Use the bridge loan funds to make a down payment and secure your new property without a sale contingency.
03
Move at Your Pace
Move into your new home while preparing your previous property for sale without the pressure of simultaneous closings.
04
Repay the Bridge Loan
Once your original home sells, use the proceeds to pay off the bridge loan. If needed, refinance into permanent financing.
Who Should Consider a Bridge Loan?
Bridge loans are ideal for specific situations where traditional financing may not provide the flexibility you need:
Homeowners Looking to Upgrade
Perfect for those who've found their dream home but haven't sold their current property yet.
Competitive Market Buyers
Stand out in multiple offer situations with non-contingent offers backed by bridge financing.
Relocating Professionals
Ideal for job relocations when you need to secure housing quickly in a new area.
Investment Property Buyers
Act fast on investment opportunities without liquidating other assets.
Downsizing Retirees
Move to your retirement home on your timeline without the stress of coordinating sales.
Renovation Projects
Purchase and renovate your new home before selling your current property.
How to Qualify for a Bridge Loan
At SRK CAPITAL , we make the qualification process straightforward and transparent:
Equity Requirements
- Sufficient equity in your current home
- Competitive loan-to-value ratios
- Clear title on existing property
Credit Standards
- Strong credit history
- Good payment history on existing mortgage
- Manageable debt-to-income ratio
Income Verification
- Proof of income to support both properties temporarily
- Ability to cover interest-only payments
- Adequate reserve funds
Property Requirements
- Existing home must be market-ready or listed
- Realistic pricing strategy for current home
- New property must meet lending guidelines
Bridge Loan Pros and Cons
Advantages
Immediate Purchasing Power
Access equity quickly to secure your new home
Non-Contingent Offers
Make stronger offers without sale contingencies
Flexible Timing
Move on your schedule without rush or pressure
One Move Solution
Avoid temporary housing and double moves
Renovation Opportunity
Time to prepare your home for maximum sale price
Fast Funding
Close in as little as 2-3 weeks
Considerations
Higher Interest Rates
Bridge loans typically have higher rates than traditional mortgages
Two Property Payments
Must qualify to carry both properties temporarily
Short-Term Solution
Requires clear exit strategy
Closing Costs
Additional fees for origination and processing
Market Risk
Existing home must sell within loan term
Qualification Requirements
Need substantial equity and good credit
Frequently Asked Questions About Bridge Loans
The amount you can borrow depends on your equity position, creditworthiness, and the value of both properties. Contact us to discuss your specific situation.
Why Choose SRK CAPITAL for Your Bridge Loan?
When timing is critical in your real estate transaction, you need a lender who understands urgency without sacrificing service quality.
Fast, Reliable Funding
Close in as little as 2-3 weeks with our streamlined approval process
Competitive Terms
Access some of the most competitive bridge loan rates and terms in the market
Expert Guidance
Our experienced team helps you navigate the complexities of bridge financing
Flexible Solutions
Customized loan structures to fit your unique situation and timeline
Transparent Process
No hidden fees or surprises - we believe in complete transparency
Local Market Knowledge
Deep understanding of local real estate markets to better serve your needs
How to Get Started with Your Bridge Loan
Getting started with a bridge loan from SRK CAPITAL is simple and straightforward:
1
Initial Consultation
Schedule a free consultation to discuss your situation and goals
We'll review your timeline, equity position, and financing needs
2
Property Evaluation
Provide information about your current and target properties
Our team will assess values and determine your borrowing capacity
3
Application & Documentation
Complete our streamlined application process
Submit required documents for income, assets, and property information
4
Approval & Terms
Receive your approval and review loan terms
Work with our team to structure the loan to meet your needs
5
Closing & Funding
Close your bridge loan and receive funds
Move forward with confidence on your new home purchase
Ready to Bridge the Gap to Your Next Home?
Don't let timing challenges prevent you from securing your dream property. With SRK CAPITALSRK CAPITAL's bridge loan solutions, you can move forward with confidence.
Fund in as little as 2-3 weeks
Competitive rates and flexible terms
Expert guidance throughout the process
No upfront application fees
Take the first step toward your seamless transition. Contact SRK CAPITAL today for your free bridge loan consultation.
Financial Disclosure
The information provided on this page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates and terms are subject to change and may vary based on your individual financial situation. Please consult with a licensed mortgage professional at SRK CAPITAL for personalized guidance.