Flexible Solutions

Bridge Loans for California Real Estate Timing Gaps

Short-term financing options for borrowers who need to bridge the gap between a purchase, sale, refinance, or investment plan.

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Who This Loan Is For

Homeowners buying before selling an existing property
Investors evaluating time-sensitive purchase opportunities
Borrowers with a clear sale, refinance, or payoff plan
Buyers who need temporary financing while permanent financing is arranged

Benefits

Helps address timing gaps between sale and purchase
Short-term structure for transition or investment scenarios
Can support purchase or refinance planning when a clear exit strategy exists
Flexible review compared with some long-term mortgage programs

Qualification Requirements

Bridge loans are typically short-term and may have higher costs than traditional mortgages
Equity, property value, credit, liquidity, and exit strategy are important
A realistic payoff, sale, or refinance plan is usually required

Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.

Common Scenarios

A homeowner found a new property before selling the current home
An investor needs short-term capital for a time-sensitive purchase
A borrower expects to refinance or sell but needs temporary financing first

Questions

Bridge Loans FAQ

How does a bridge loan work?

A bridge loan is usually short-term financing designed to cover a timing gap. It may be used until a property is sold, a refinance is completed, or permanent financing is arranged.

What is an exit strategy for a bridge loan?

An exit strategy is the expected plan to repay the bridge loan, such as selling a property, refinancing into long-term financing, or using another documented payoff source.

Are bridge loans more expensive than traditional mortgages?

Bridge loans may have higher costs or shorter terms than traditional mortgages. They should be reviewed carefully against the borrower’s timeline, equity, liquidity, and exit plan.