Bridge Loans California
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Fast and Flexible Funding
A simple solution for real estate investors and business owners to help finance their business plans and cash flow.
Quick Approval Process
Offers flexible loan terms with quick approval, helping you close on time-sensitive deals.
Tailored Financial Solutions
Competitive interest rates and tailored financing options make it easier to leverage your property equity.
California bridge loans simplified.
We know you’ve had your eyes on that next investment property for a while, but don’t want to sign up for another long-term mortgage commitment and wait months to get your funds. PMA’s bridge loan financing solution has your funds in your hands within days of applying.
- Click the button down below and fill out a quick application.
- Our PMA Partners will contact you within minutes to guide you through all documentation.
- In a matter of days, sit back and watch as you get approved for your short-term loan.
- After approval, your job is done and we’ll close the loan in a timely fashion.
- Your investment opportunity is waiting.
Hard Money Lenders
PMA solidifies itself as a one-stop shop for real estate financing with our designated private direct money lender organization in California.
Our clients love our hard money lending programs because they get their cash ultra-fast regardless of deadlines.
Residential Bridge Loans
Residential Real Estate Investors
Loan Parameters:
| Loan Amount | 1,000,000 - 20,000,000 |
| Occupancy | Non-owner occupied or business purpose owner-occupied |
| Term | 6-12 months |
| Lien Position | 1st mortgage |
| Interest Rate | Starting at 8.99% |
| Origination Fee (Case-by-Case) | 2.0% to 3.0% |
| Loan-to-Value | Up to 70% LTV |
| FICO | Minimum 600 credit score |
| Location | California Only |
| Funding | As few as 7 business days |
Ultra Fast and Incredibly Flexible
We know that our clients are busy, so we make it as easy as possible to find the right type of hard money loan.
Follow our How-To-Guide and let’s get you set up with an ULTRA fast hard money loan.
For over 30 years PMA has created financial relationships with multiple Real Estate Investment Properties, General Contractors, and Homeowners wanting to finance the creation and renovation of their homes.
Residential Bridge Loans: Asset Classes
Commercial Bridge Loan
Similar to residential bridge loans, commercial bridge loans provide short-term (usually 6-12 months) financing to add stability and execution to a multitude of commercial real estate properties.
Our PMA Commercial Bridge Loan programs equip our clients with ESSENTIAL timely funds to complete any commercial real estate project they are currently working on. Our PMA Partners strive for timely success during these commercial real estate programs because they know firsthand that speed and execution are KEY.
Loan Parameters
- Rates starting at 7.25%
- $200k-$5M
- 70% LTC & 65% LTV
- Fixed rates / Adjustable
- Bridge Loans Only
- Interest Only Option Available
- No Pre-Payment Penalty
Commercial Bridge Loan: Asset Classes
- Multifamily
- Office
- Industrial
- Retail
- Hotels & Hospitality
- Land
- Mixed Use
- Special Purpose
Our Difference
The PMA Difference: Not Just a Lender and a Broker, but a Business Partner Too
Pre-approval in as little as 3 days
Low interest-only payments for 12 to 36 months
Competitive commercial real estate bridge loan rates
Closings within 10 to 30 days
Essentials of Bridge Loans
Short-term financing that helps bridge the gap between buying a new property and selling the old one.
Frequently Asked Questions
Learn more about our Bridge Loans services
What exactly is a bridge loan, and how can it help me when buying a new property?
A bridge loan is short-term financing that helps you purchase a new property before selling your current one. It’s ideal if you need funds quickly to secure a new home without waiting for your existing property to sell.
When is the best time to consider a bridge loan instead of a traditional loan?
A bridge loan is best when you need temporary funds and have equity in your current home. If you’re in a competitive market and need to act quickly, a bridge loan can help you make an offer without contingencies.
What are the risks of a bridge loan, and how can I avoid them?
Risks include high interest rates and the possibility of not selling your home as quickly as expected, which could lead to dual payments. We recommend planning for multiple scenarios and ensuring you’re comfortable with the terms.
How long do I have to pay off a bridge loan, and what happens if I need more time?
Bridge loans typically have terms of 6-12 months. If you need more time, refinancing into a long-term loan may be an option. We’ll help you understand the options to avoid any financial surprises.
Can a bridge loan help if my current property hasn’t sold yet?
Yes, bridge loans are specifically designed for situations where you haven’t sold your current property yet. This allows you to move forward with purchasing your new home while awaiting the sale.
How can I ensure that my finances are ready for a bridge loan?
To be ready, you’ll need sufficient equity in your current property, a stable credit score, and the ability to handle higher interest rates. We’ll help you evaluate your situation to see if a bridge loan makes sense.
