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Bridge loans · Sacramento

Sacramento bridge loans: how long can you borrow for?

Our Sacramento bridge loans run 3 to 12 months, from $150K to $800K, up to 65% LTV, secured by a first deed of trust. You get a term sheet in 24 to 48 hours and close in 7 to 10 days, then exit by refinance or sale.
Every loan request is reviewed by Gary Burmaster, the owner.
Term sheet in 24 to 48 hoursClose in 7 to 10 daysFirst deed of trustSacramento plus six counties

Who this loan is for

  • Investors making a time-sensitive purchase while long-term financing catches up.
  • Owners moving from a near-term purchase to a longer-term refinance or a sale.
  • Buyers who need to close before a bank can.

Bridge loan terms

Term
3 to 12 months
Loan size
$150K to $800K
Max LTV
65%
Exit
Refinance or sale

Rate and points are quoted on your term sheet for your deal. Every loan is secured by a first deed of trust on California investment property.

How it works

1
Send the deal
Address, price, rehab budget and your exit. About five minutes.
2
Get a term sheet
Real terms for your real deal in 24 to 48 hours.
3
We underwrite in-house
We underwrite on value, equity and exit, not W-2s or personal income ratios.
4
Fund and close
Close through escrow in 7 to 10 days.

What we need from you

  • The property address and purchase price
  • Your exit: the refinance or the sale
  • The equity you are putting in
  • Your timeline

Where we lend

The Sacramento area plus El Dorado, Placer, Sutter, Yolo, Solano and San Joaquin counties. Business-purpose loans on California investment property only. No owner-occupied homes.

Questions investors ask

How long can I borrow on a Sacramento bridge loan?

3 to 12 months.

How much can I borrow?

$150K to $800K, up to 65% LTV.

How fast can you close?

You get a term sheet in 24 to 48 hours, and you close in 7 to 10 days through escrow.

What is the exit?

Refinance or sale.

What are the rates and points?

Rate and points are quoted on your term sheet for your deal.

What do you underwrite on?

We underwrite in-house on value, equity and exit, not W-2s or personal income ratios.

Where do you lend?

The Sacramento area plus El Dorado, Placer, Sutter, Yolo, Solano and San Joaquin counties.

Do you lend on a home I live in?

No. These are business-purpose loans for investment property only.

Have a deal? Send it today.

Submitting is not a loan commitment. Business-purpose loans on investment property only. Any loan is subject to final underwriting approval.

Related: Sacramento hard money loans · Sacramento fix and flip loans · All lending options
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