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Make an all-cash offer on a California home — even without the cash on hand. Close in as fast as 3 days, waive financing contingencies, and win bidding wars. NetCORE Lending provides short-term bridge financing so you can buy like a cash buyer, then refinance into a permanent 30-year mortgage.
An all-cash offer loan from NetCORE Lending lets you make a cash offer on a California home — even without all the cash. Unlike traditional financing that takes 30-45 days with income verification and loan contingencies, NetCORE's all-cash offer program provides immediate approval (often within hours), closes in 3-5 days, requires no income verification, no loan contingency, and no early repayment penalties. The interest rate is fixed with interest-only payments, and the appraisal can be completed after funding. Available for single-family homes, townhomes, and condos in California from $100K to $10M with a minimum 650 credit score and 20% down. After closing, you refinance into a permanent 30-year conventional, FHA, VA, or jumbo mortgage within 30-90 days.
NetCORE Lending offers speed, certainty, and flexibility that traditional financing can't match.
| Feature | NetCORE Lending | Traditional Lender |
|---|---|---|
| Closing Speed | 3-5 days | 30-45 days |
| Immediate Approval | Yes — often within hours | No — weeks of processing |
| Loan Contingency | None required | Required |
| Income Verification | Not required | Required |
| Interest Rate | Fixed rate, interest-only | Variable process |
| Early Repayment Penalty | None | May apply |
| Appraisal Timing | Can be done post-funding | Must be done before closing |
| Hassle-Free Process | Yes — minimal paperwork | Extensive documentation |
Min Credit Score
650+
Min Down Payment
20%
Max LTV
80%
Max DTI
50%
Loan Limits
$100K to $10M
PMI / MIP
No mortgage insurance required
Occupancy
Single-family residence, townhome, condos
Apply online or call us. Pre-approval often within hours based on your credit profile and the target property.
Submit an all-cash offer with no financing contingency. Sellers see you as a serious, low-risk buyer.
We fund the purchase in as fast as 3 business days. You get the keys while other buyers are still waiting on underwriting.
Within 30-90 days, refinance the bridge loan into a conventional, FHA, VA, or jumbo 30-year mortgage at long-term rates.
Explore other loan products that might be a good fit for your needs.
Buy your next California home before selling your current one with a bridge loan from NetCORE Lending. Close in 3-5 days, avoid contingent offers, skip temporary housing, and sell your old home on your own timeline. Available up to $5M+ with no prepayment penalties.
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A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
Financing for high-value properties that exceed conforming loan limits. Ideal for luxury homes and high-cost real estate markets in Southern California.
Apply online in minutes or call us to speak with a loan advisor about your Cash Offer Loans options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.