Loading...
Loading...
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.
A bridge loan from NetCORE Lending™ is right for you if you are a California homeowner who needs to buy your next home before selling your current one. It uses your existing home equity to fund the new purchase, letting you make a non-contingent offer, close in 3 to 5 days, and move once. After your old home sells, you refinance into a permanent 30-year mortgage at competitive long-term rates. You will need a minimum 680 credit score, at least 25% equity in your current property, and a DTI at or below 50%. Loan amounts reach $5 million or more with 12 to 24 month terms, interest-only payments, and no prepayment penalties. Maximum LTV is 75% on the departing residence. Compared to a HELOC that takes 30 to 45 days to fund and remains on your credit report, a bridge loan closes faster with a cleaner structure for buying first. Choose a bridge loan to avoid contingent offers, temporary housing, and double moves in competitive California markets.
No contingencies, no double moves, no stress.
| Feature | Bridge Loan | Sell-First Approach |
|---|---|---|
| Buy Before Selling | Yes | No |
| Move Once | Yes — directly to new home | No — temporary housing needed |
| Contingent Offer | Not needed | Required — weaker offer |
| Closing Speed | 3-5 days | 30-45 days |
| Sell on Your Timeline | Yes — 12-24 months | Must sell first |
| Temporary Housing Cost | None | $2,000-5,000/month |
| Storage Costs | None | $200-500/month |
| Bidding Power | Strong — non-contingent | Weak — contingent on sale |
Min Credit Score
680+
Min Down Payment
25%
Max LTV
75%
Max DTI
50%
Loan Limits
Up to $5M+ (case by case for larger amounts)
PMI / MIP
No mortgage insurance required
Occupancy
Primary residence
We evaluate your current home's equity and determine how much bridge financing you qualify for. Pre-approval often within hours.
Using your current home equity as leverage, we secure bridge financing so you can make a strong, non-contingent offer on your new home.
Close on your new home in as fast as 3-5 days. Move in and settle without the pressure of selling first.
List your old home on your timeline. After it sells, refinance the bridge loan into a permanent 30-year mortgage at competitive rates.
NetCORE Lending™ is headquartered in Diamond Bar and has been helping borrowers across the San Gabriel Valley secure bridge loans financing since 2015. We serve homebuyers and homeowners in Pomona, Walnut, Rowland Heights, West Covina, Chino Hills, Covina, La Verne, Glendora, San Dimas, Hacienda Heights, and City of Industry — as well as borrowers throughout California.
As a local mortgage broker, we understand the San Gabriel Valley real estate market — from the higher-value properties in Chino Hills and Diamond Bar to the more affordable options in Pomona and West Covina. Our team provides bilingual service in English and Vietnamese and shops 100+ wholesale lenders to find you the lowest available rate on your bridge loans loan.
Call (714) 399-6361 to discuss bridge loans options with a local loan advisor, or get pre-qualified online in 2 minutes.
Explore other loan products that might be a good fit for your needs.
Short-term asset-based financing for real estate investors. Ideal for fix-and-flip projects, bridge loans, short-term rentals, and ground-up construction with fast funding.
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.
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.
Apply online in minutes or call us to speak with a loan advisor about your Bridge 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.
Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026