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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're 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 3-5 days, and move once. After your old home sells, you refinance the bridge loan into a permanent 30-year mortgage at competitive long-term rates. This eliminates the stress of selling first, avoids temporary housing, and gives you a cash-buyer advantage in competitive markets like Los Angeles, Orange County, the San Gabriel Valley, and the Bay Area.
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.
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.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.