Pacific Private Money 'P' image

Transitional Bridge Loan ™

Our unique funding tool that allows homeowners to purchase before selling!

How It Works

Buy before they sell!

Allows homeowner to make “cash-like”/no sales contingency offers

No prepayment penalty or minimum interest

Homeowners avoid moving twice

Gives homeowners time to stage their current home to possibly net a higher sales price

Not full doc

Fast close- as quick as 7-14 days

Bridge Loan Explained

Read why so many California mortgage brokers are presenting our buying before selling strategy to their clients.
orange colored blue print of a house
two people laughing

Case studies

Case Study #1: Multiple Offers and No Current Employment


A successful CMO, was in between employment contracts, and was having a difficult time qualifying for a loan. She had her eyes on a home that had multiple offers, so she needed an edge.


Her Mortgage Banker and Realtor referred her to Pacific Private Money, and we were able to secure a $3.3M Bridge Loan and close in 21 days.

30 days later, having time to move out and stage, the client’s Mill Valley home sold for $100,000 over asking. And with her new employment contract in place, she was able to refinance into a traditional mortgage.

Case Study #2: Closing with Minutes to Spare


With their eyes on a beautiful $2.6M home in Tiburon, a small family needed $2M to make the purchase. Their current home was not on the market yet, and was valued at $2.1M. Even though the couple was well-qualified for a conventional loan (800 + credit with strong assets), the banks would not provide them with a mortgage on their dream home.


To avoid the stress of selling their home in a rush first, the family reached out to Pacific Private Money. We provided them with the $2M bridge loan they needed to complete the purchase and move in on their own schedule. Our transitional bridge loan can be a great option your borrowers who are looking for flexibility and the convenience of time. When the borrower has sold, we will always refer them back to you for a refinance

Case Study #3: Buying a Bigger Family Home when Traditional Loans Won’t Work


A growing family with two young kids found the perfect house in Ross, but they could not qualify for a traditional loan as they had not yet sold their current home. Their loan officer suggested they sell their current home first, which meant losing out on the opportunity to purchase the property or contact Pacific Private Money for a bridge loan so they could buy first then sell.


Working closely with the family to understand their situation, the team at  Pacific Private Money saw they could qualify for a $1.2M Bridge Loan as long as the client had a signed listing agreement on their current home. This qualification landed the family the ideal home for raising a family. What a great way to send your go-to realtor a listing. And, the referring loan officer was able to refinance the clients into a long-term conventional loan.

Pacific Private Money 'P' outline image
PPM short-term bridge loans as low as 8.99% / 11.97% APR*

Pacific Private Money, Inc. Licensing Information

Real Estate Broker, California Dept. of Real Estate, Lic. No. 01897444
Mortgage Loan Originator, Nationwide Mortgage Licensing System No. 945582
11.97% APR is based on a $900,000 loan with a term of 11 months at an interest rate of 8.99% and an origination fee of 2%, doc & processing of $1,995. Interest-only payments for 11 months, with final payment of all principal, remaining interest and fees.
8.99% rate is based on a loan secured by real property in California. Terms may vary based on your particular situation.