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Bridge or Temporary Loans – Purchase and Refinance

Bridgeloan What Is A Bridge Loan?

Everything You Want to Know About The Loan Programs

What is a Bridge Loan?

When we speak about a bridge loan, we are generally referring to a short-term financial agreement, which will allow a buyer to purchase a property before their currently owned home is sold.  This loan has a term of 11 months with no prepayment penalty, meaning the borrower can pay off this loan any time within the 11 months.

Goldengatebridgeloans What Is A Bridge Loan?

Why Would You Get a Temporary or Bridge Loan?

  1. Accessing equity in one house to purchase another, bridging the gap between the sale of one home and the acquisition of another.
  2. Avoiding the hassle and cost of moving twice when purchasing a new home.
  3. Having an offer accepted without any contingencies.  Offerings with a contingency to sell a present home first, could be considered weaker offers and could be disregarded by Sellers.
  4. Having an offer with a short loan contingency can sweeten one’s purchase offer to Sellers, potentially getting your offer accepted over others.
  5. Our Private Lenders firstly look at equity, not at creditworthiness.
  6. Bridge/Temp Loans are exempt from the “ability to repay” rule.

Property Types for Temporary or Bridge Loans

Purchases or refinances on owner occupied/primary residence properties.

Temporary or Bridge Loan Requirements

There are much less requirements for a bridge loan, which make for a quick and easy solution.  The primary concern from a Lender is:

Equity – The lender is looking for enough equity in the property to secure his investment.  The maximum Loan To Value is up to 65% – 75% LTV, case by case basis..

How Can Sun Pacific Mortgage Help?

In our 3+ decades of business since 1988, we have been able to assist many borrowers with this type of alternative home financing. They are always extremely grateful for our financial help in achieving their goals. We can make this happen for you, too!

Please give us a call with any questions or requests.  You can also send us an email through our website contact form and we’ll respond promptly.  We are here to assist you with all your hard money lending requirements.


Don’t hesitate to CALL NOW (707) 523-2099 for a free proposal, have any questions answered, or to start your loan process.


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    * Our Lenders do NOT finance mobile homes. Any manufactured house MUST be on a permanent foundation for us to consider financing it.
    * Minimum loan amount starts at $150,000.
    * ARV/Future Value Financing not available

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    Bridge or Temporary Loans