Consumer Bridge Loans

Apply for a Loan with Pacific Private Money

If you’re ready to move and want the flexibility to buy before you sell, our team is here to help. Submit your loan request today and discover how our bridge loan can streamline your transition to your next home.

Please complete the form below. Your information will be kept strictly confidential. Once we receive your submission, a team member will contact you promptly. If submitted after business hours or over the weekend, we’ll follow up the next business day.

Prefer to speak with someone directly? Call us at 415-926-4444 during business hours and ask to speak with a loan agent.

Buy Before You Sell — Without the Stress

Pacific Private Money’s Owner-Occupied Bridge Loan Program allows homeowners to buy a new primary residence before selling their current home. Designed for speed and convenience, this short-term solution is ideal for those navigating life transitions, job relocations, or competitive housing markets where contingent offers may be a disadvantage.

A consumer bridge loan is a short-term loan secured by your current residence and the home you’re buying. It allows you to access equity in your existing property to cover the down payment — or even the entire purchase — of your next home. Once your current property sells, the bridge loan is repaid.

When to Use This Loan

• You need to buy a new home before your current home sells.
• You’re relocating for work or lifestyle reasons.
• You’re downsizing or upsizing and need flexibility.
• You’re in a competitive market and want to avoid contingency offers.
• You need 100% financing by using cross-collateral.

Borrower Profile

This loan is designed for:

• Homeowners purchasing a new primary residence.
• Buyers using equity in their current home as a bridge to close quickly.
• Families, retirees, and professionals navigating transitional housing needs.

This program is only available for owner-occupied or second home use and is subject to consumer loan regulations.

Loan Highlights

• Starting Rate: 10.5%
• Max CLTV: 75% | Up to 100% with Cross-Collateralization
• Loan Term: 11 Month Balloon
• Loan Amounts: Up to $2M (Inquire for Exceptions)
• Property Types: Residential
• Lien Position: 1st on Purchase, 1st or 2nd on Cross Collateral
• Personal Guarantee: No
• No Debt-to-Income Ratio (DTI) requirements
• No appraisal required (in most cases)

Please Note: For mortgage professionals only. This information is intended for the exclusive use of licensed real estate and mortgage lending professionals in accordance with local laws and regulations. Distribution to the general public is prohibited. Program and rates are subject to change without notice. Not available in all states. Terms subject to qualifications.

Where We Lend

Pacific Private Money is licensed to make consumer-purpose loans in the following states:

California, Oregon, Washington, Idaho, Arizona, Colorado, Georgia, Michigan, and Washington, D.C.

We also fund business-purpose loans in many states that do not require lender licensing for non-owner-occupied investment properties, these states include:

Arkansas, Colorado, Connecticut, Delaware, Florida, Hawaii, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Missouri, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Wisconsin, and Wyoming.

Please Note: Lending eligibility in certain states may vary based on borrower type (e.g., individual vs. entity), property classification (e.g., residential 1–4 unit vs. commercial), and occupancy status. All loans must be for business or investment purposes and are subject to compliance with applicable state regulations.

Previously Funded Loans