Bridge Loans - Smart Home Buying Strategy For Today's Real Estate

Click this link to see our short yet informational video on our Bri...

Real estate agents, home buyers or home sellers alike should know about this home loan or should I say smart home buying strategy: It is called the Bridge Loan.

A bridge loan is beneficial for the key following reasons:

  1. A Bridge loan is deemed cash by Listing Agents.
  2. Your Buyer does not have to have a contingency of their home selling to use a bridge loan.
  3. A home owner can buy another house now and sell their home later.
  4. There is no fear of the buyer finding their dream home because they still have to sell their current home at the same time.  This is not required with a bridge loan.
  5. Your buyer can buy a fixer, fix it up and have their dream home that way.

There are some requirements to qualify for a bridge loan, including:

  • This will be a 12 month loan.
  • You have to have at least 20-25% for the downpayment.
  • Rates range between 9-12%, interest only.
  • A minimum of 3 months payments are due.

For an even clearer understanding, here is a quick example of a Bridge loan:

If a Buyer gets a $300,000 loan at 10% interest only then their payment will be $2,500. For sure a home buyer can afford this payment, especially in today’s real estate market with the prices increasing and rents out the roof.   Points will depend on the size of a loan. 

Anyone thinking of buying a home – whether a first-time home buyer or a move-up or move-down buyer - does not want to wait as it will only cost them more money in the long run.

So, Call Us to see how we can strategize with you to get yourself or your Buyer into a Bridge loan today – (707) 523-2099!


Forest & Ken – The Guys in the White Hats

Click this link for our rate sheet, showing the programs we offer.

Approval is based on just 2 criteria:

 1. Good Down Payment or Decent Equity    

2. Ability to Repay


• FAST private money purchase financing throughout California.

• Owner Occupied, Bridge Financing, Investor financing, Commercial and some Land financing.

• FICO is not a factor.

• Up to 80% loan-to-value, case by case basis.

• Lower rates with Good Compensating Factors, case by case basis.

• Loan amounts starting at $100,000.

(Sonoma County areas can be lower amounts, case by case.)


SPECIAL NOTE: We can do a loan for someone fresh out of foreclosure, bankruptcy, or short sale!

CALL TODAY, The Guys In The White Hats at

(707) 523-2099

See our website at:

       Alternative Finance Lenders Serving California since 1988!

800 Mendocino Ave. Ste 2
Santa Rosa, CA 95401
(707) 523-2099


California Bureau of Real Estate Broker Corporate License # 01464899.

Nationwide Mortgage Licensing (Registry) System Office NMLS # 360993

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