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A consumer bridge loan is a short-term financing option that helps a homeowner bridge the gap between purchasing a new primary residence and selling, refinancing, or otherwise transitioning out of an existing property. It is designed to provide temporary financing, not to serve as a permanent mortgage.
A California consumer bridge loan allows an eligible homeowner to access short-term financing secured by residential real estate. The specific structure depends on the properties involved, the borrower’s financial profile, and the planned repayment strategy. Marquee Funding Group reviews each request individually to determine what financing may be available.
Depending on the loan structure and applicable requirements, consumer bridge financing may be used to:
- Purchase a new primary residence before an existing home has sold
- Cover the equity gap between selling a current home and closing on a new primary residence
- Bridge the timing between closing on a new residence and closing on the sale of the existing one
- Transition from short-term bridge financing into a longer-term mortgage on the new residence
Equity is an important factor because these loans are secured by real estate. How much is needed depends on the requested loan amount, property values, lien position, and borrower qualifications. A full review of your scenario is generally necessary before Marquee can confirm what options are available.
Consumer bridge loans are short-term by design. Consistent with the regulatory framework governing this loan type, the term will not exceed 12 months. Borrowers should have a realistic, documented plan for repaying or refinancing the loan before moving forward.
A property valuation is generally required to evaluate the real estate securing the loan. The type of valuation depends on the property, loan structure, and applicable regulations. Marquee Funding Group will explain valuation requirements after reviewing the initial loan request.
A consumer bridge loan is tied to a personal, family, or household purpose, such as acquiring a home the borrower intends to occupy. A business-purpose bridge loan is tied to an investment or commercial activity. Classification depends on the actual use of loan proceeds, not the type of property pledged as collateral. Borrowers must accurately describe the intended use of funds during the application process.
Marquee Funding Group has direct experience structuring short-term, owner-occupied bridge financing in California. Rather than applying a one-size-fits-all template, the team evaluates the property, borrower qualifications, financing need, timing, and repayment plan to determine what structure, if any, fits.
