1st and 2nd trust deeds secured by real estate. When the lender says no, or not in time, that's when you need a bridge to your solution.
MyBridge Loans is a California-licensed private money bridge lender and mortgage broker in Fountain Valley, Orange County (CA DRE #01716773, NMLS #2869596). We fund business-purpose hard money loans secured by real estate in 26 states, directly through our own private investors, not a bank. First trust deeds, second trust deeds, and commercial bridge loans. We do not fund construction loans.
When a short timeline and certainty of close are important.
Pull equity behind a current first without touching the first. Available in every state we lend in except Texas and Nevada.
Purchase or refinance while the borrower sells, refinances, or stabilizes. Single-family through small multifamily.
Retail, office, industrial, mixed-use. Bridge to sale, lease-up, or permanent financing.
Bridge financing on a home the borrower lives in. The loan still needs a business purpose. Tell us the use.
Conventional, FHA, VA and non-QM for a home you live in. Thirty-year fixed and everything in between.
Home loansIf it doesn't fit our normal capital we can find alternative options or refer.
Address, occupancy, credit and loan request. One email is enough to start.
Yes, no, or more info. Same day.
Terms accepted, supporting docs signed off, value confirmed, title cleared, loan docs signed.
Money is wired.
Bridge loans in these states. Consumer mortgages are offered in California only.
Your email is the only required field. Send what you have. We will tell you what we still need.
A bridge loan is a short-term loan secured by real estate that carries a borrower from one event to the next: buying before selling, closing before a bank can, or pulling equity out until a refinance or sale. MyBridge Loans funds bridge loans with private capital, with the payoff coming from a sale or refinance.
Yes. MyBridge Loans funds 2nd trust deeds usually up to 60% combined loan-to-value behind an existing first mortgage that is current. The first mortgage is not touched. The loan must have a business purpose. Read how the numbers work.
Yes, if the loan is for a business purpose, for example funding a business, buying an investment property, or paying business debt. Tell us the use of funds. Consumer-purpose loans on a primary residence are brokered as conventional, FHA, VA, or non-QM in California only.
Private money is underwritten on the property, the equity, and the exit. Low FICO, self-employment, or thin income documentation does not disqualify a scenario. Payment history on any existing first mortgage matters more than the score.
Yes, on non-owner-occupied property with sufficient equity. We pay the lien or the defaulted lender directly through escrow and take a trust deed on the property. Send the address, amount owed, and the current value.
Yes. We fund loans to estates and heirs to pay taxes, buy out other heirs, or cover carrying costs before distribution, secured by the inherited property. Court approval is required. Attorneys and executors can send the scenario directly.
1st trust deeds run 9.5% to 10.99% and up. 2nd trust deeds run 11.99% to 12.99% and up. Payments are interest-only. Usually 1.5 to 2 lender points plus broker, on a 3-year note with a 3 to 6 month prepayment penalty. Underwriting fee is $1,995. No processing fee. Doc prep is $495 outside California, none inside. Appraisal, credit report, title, escrow, and flood are third-party costs passed through at cost. Up to 30 days of prepaid interest at closing. Loans from $100,000 to $4,000,000 and up, with a $4,000 minimum origination. Exceptions available on all of the above.
We do not fund construction or ground-up loans with our own capital. When a borrower comes to us directly with a fix-and-flip or construction scenario, we broker it to institutional capital that does. Bridge loans on a property that is already built are funded directly.
Bridge loans in Alabama, Arizona, California, Colorado, Connecticut, Florida, Georgia, Hawaii, Illinois, Kansas, Kentucky, Massachusetts, Missouri, Montana, New Jersey, New Mexico, Nevada (no 2nds), North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas (no 2nds), Washington, and West Virginia. Consumer mortgages in California only.
You stay the point of contact and you are paid on the file. MyBridge Loans funds directly, so there is only one broker fee in the deal. Send the scenario and you get a yes, no, or what's missing the same day.
Property address, estimated value, current amount owed, loan amount requested, FICO, occupancy, lien position, purpose of the loan, and the exit. One email is enough to start.
Brokers and referring partners are protected on every file. Investors who want to lend against low loan-to-value real estate can ask about placing capital.
For a home you live in, we broker the standard programs and coordinate most financing transactions.