Bridge Loans

Loans for Quick Cash Transactions or Repositioning of Debt
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Bridge Loan Programs

Bridge loans are primarily used by investors who need short-term financing to acquire a property quickly or to reposition debt across one or many investment properties. Some borrowers use bridge loans for as little as 30 days while others utilize the loan for several years depending on the size and scope of the project.

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1 Year: 6.90–10.50%

  • Great for fix and flip investors for quick closes or transfers
  • Closing within 3–14 days
  • Up to 85% of purchase price on residential
  • Available for commercial and residential properties
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2 Year: 7.50–11.00%

  • Flexible term great for multiple exit strategies including fix and flip, buy and hold, or extended rehab
  • Up to 75% of the purchase price
  • Available for commercial and residential properties
  • No minimum FICO
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1-5 Year Bank: 4.50–6.50%

  • Excellent loan for completed luxury homes listed on the market
  • 65% LTV
  • Available for commercial and residential properties
  • Interest-only

Bridge Loan Guidelines

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Business Purpose Loans

  • Non-owner occupied
  • Residential and commercial properties
  • $100,000 to $15 million
  • Stated income
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Consumer Purpose Loans

  • Owner occupied
  • Residential – California, Oregon, and Washington
  • $100,000 to $5 million
  • Income verification:  W2, 1099, bank statements (business or personal)

Disclaimer: Information, rates, and pricing are subject to change without prior notice. All loans subject to borrowers and underlying collateral meeting First Capital Trust Deeds’ and/or assigns then-current underwriting criteria. Other restrictions apply.