Direct Private Loans for California Home Buying – Borrow with Confidence

APPLY FOR A BRIDGE LOAN

Bridge Loans – Buy Before You Sell

At Pacific Direct Mortgage, we make it possible to buy your next primary home before selling your current one.

With our flexible private bridge loan solutions, you don’t have to wait to sell—or lose out on the perfect house while you’re waiting to sell. Whether you’re upsizing, downsizing, relocating, or just ready for a change, we can help you move forward on your timeline.

Move First. Sell Later. Stress Less.

Most traditional banks or lenders won’t approve a new home loan if you haven’t sold your existing primary residence. They’re focused on debt-to-income ratios and strict underwriting rules. We are not.

We take a common-sense, equity-based approach—and help homeowners make confident moves without the red tape! This is the beauty of our flexible bridge loan program.

How a Bridge Loan Works

Short-term financing secured by your current or new property
No debt-to-income (DTI) limitations — we don’t underwrite like banks
No prepayment penalty — sell when you’re ready and pay off the loan
Fast funding so you can close quickly in competitive markets

Bridge Loans Are Ideal For:

  • Home Buyers wanting to buyer a new primary home before selling their current home.
  • Homeowners who want to avoid contingent offers.
  • Families relocating or needing flexibility with timing.
  • Owners/Borrowers who want to stage or renovate their current home before listing, to maximize their profits.

Let Pacific Direct Mortgage help you make the move — without waiting on your sale.

Whether you’re planning your purchase or already in contract, a bridge loan could be the perfect fit!

Contact us today 707-708-0797 or fill out the form below and we’ll get back to you promptly!

Contact Us Form

Your information will never be given out or sold. Only someone from our family company will review your email and be in touch soon. We hope to be able to help!

  • We ONLY do Real Estate loans (NO personal loans)
  • Our Lenders consider loan sizes from $100,000 on up to $2,500,000. 
  • We do not offer Construction loans or ARV/Future financing options. 

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