Bridge Loan Program – California
Our Bridge Loan Program provides fast, short-term financing for real estate investors, business owners, and property owners looking to leverage equity for liquidity. This flexible solution allows borrowers to acquire new property, fund business initiatives, or bridge the gap before securing permanent financing.
| Loan Amounts | $100,000 – $5,000,000+ |
| Property Type | Single Family – Multi-Family – Commercial – Mixed-Use |
| Loan Type | Investment or Commercial Property Purchase – 1st and 2nd TDs |
| Loan-to-Value | Up to 65% on New or Existing Property |
| Terms | 1-36 months – Balloon – Interest Only Payments |
| Underwriting | Equity-Driven – Bank Statements – No Tax Returns Required (other docs may apply) |
| Property Valuation | BPO Required; Appraisal in Some Cases |
| Interest Rates | 1st Trust Deeds from 8.99% – 2nd Trust Deeds from 12.50% |
| Points & Fees | 2+ Points plus Underwriting & Valuation Fees starting at $3,495+ |
| Timeline to Fund | Same Day Approvals – Fast Closings |
Who This Program Serves
- Real estate investors acquiring new investment properties
- Business owners in need of short-term working capital
- Borrowers transitioning between commercial or investment assets
- Investors seeking competitive leverage in strong real estate markets
What Makes Our Program Different
- Equity-Focused Underwriting
Approvals are based primarily on available property equity rather than traditional income metrics, bank statements, or tax returns. - Fast and Flexible Financing
Same-day approvals and a highly streamlined 7-14 day closing process. - Broad Property Eligibility
Lending on a wide array of assets including Single-Family Investment, Multi-Family, Commercial, and Mixed-Use. - Customized Loan Structures
Flexible terms from 1 to 36 months with interest-only payments tailored to keep liquidity. - Certainty of Execution
Strengthens purchase offers by providing fast, reliable capital to eliminate financing contingencies.
Strategic Advantages
- Capitalize quickly on time-sensitive investment opportunities
- Avoid rushed or discounted sales of existing portfolio assets
- Compete confidently for REO, or off-market properties
- Maintain liquidity and reserve cash with interest-only payments
Why Mortgage Vintage, Inc.?
Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans secured by California real estate.
✓ Same Day Term Sheets – Professional Service
✓ Easy Loan Submission – Quick Turnaround – 7 Day Fundings
✓ Fast, Flexible and Transparent Loan Process
✓ Over 30 Years Financial Industry Experience
✓ Funding Based on Committed Terms
✓ Surety of Funding through CrowdTrustDeed’s Simple and Secure Online Marketplace
✓ Se Habla Español
All loans must be secured by California real estate.
Contact:
Sandy MacDougall – (949) 763-3982 – sandy@mortgagevintage.com
