Bridge Loans

Bridge Loans

A Bridge Loans is a short-term loan that is used until a person or company secures permanent financing or removes an existing obligation. This type of financing allows users in Long Beach, Huntington Beach, South Bay, Downey, Torrance, and the entire State of California to meet current obligations by providing immediate cash flow.

You may have heard Bridge Loans by some of their other names included Swing Loan, Gap Financing, Interim Financing. Typical Bridge loan terms are from 6 months to 24 months.

Generally Bridge loan are taken out of 2 main reasons. The first is borrower that does not fit typical Bank model of traditional Bank financing- recent housing event, short sale, Bankruptcy, or high DTI-debt to income ratio.

We dedicated to finding you the best option for your next investment property purchase or refinance and are proud to offer a true ” NO INCOME VERIFICATION PROGRAM”.

The 2nd reason is property that does not qualify for bank financing, Property has low DCR- Debt Service Coverage Ratio, Deferred Maintenance, and High Vacancy Factor.

Loan Criteria       

  • Types of Loans: First Trust Deeds only.
  • Types of Properties: Non-owner occupied residential, multifamily, retail, office, industrial, vacant buildings, and entitled land.
  • Location: Nation Wide.
  • Loan Amounts: Usually from $250k to $20 Million
  • Origination Fee: Varies depending on the length of the term.
  • Loan Maturities: 3 to 24 months. Extensions available.
  • Loan to Value: Up to 50-80% LTV, depending on property type.
  • 3rd Party Junior Financing: Permitted.
  • Closing Costs: Standard third party costs such as title and escrow.
  • Foreign nationals Welcome
  • Fast Closings
  • No Prepayment Penalty
  • Rate from 5.99% to 9.99%

Bank statements program-90% LTV – 2yrs from Foreclosure, Short Sale, or Bankruptcy & Interest Only Available

  • Up to $3,000,000 Loan Amounts
  • Personal Accounts qualify with 100% of Deposits for Personal Statements!
  • Business Accounts qualify with 50% of Deposits for Business Statements!

Qualify Simply

  • Don’t look at Withdrawals!
  • Don’t look at Overdrafts!
  • No P&L!
  • No Reserves!
  • No 4506T!

Requirements for Both:

  • 24 Months of Statements
  • Owner Occ. w/600 Fico, Non Owner & 2nd Homes w/500 Fico Self Employed and 1099 borrowers only
  • Only 6 NSF’s in the most recent 12 months

Want to learn more? Give us a call at 562-761-6959 or email us at

We are located in Long Beach, CA, servicing Long Beach, Huntington Beach, South Bay, Downey, Torrance, and the entire State of California and nationwide.