# MyBridge Loans (mybridge.loans)

> MyBridge Loans is a California-licensed private money / hard money bridge lender and mortgage broker based in Fountain Valley, California. We fund business-purpose bridge loans secured by real estate in 26 states, directly through our own private investors. First and second trust deeds, commercial, and business-purpose loans on owner-occupied homes. We do not fund construction loans. Consumer home loans (conventional, FHA, VA, non-QM) are brokered in California only.

## Key facts
- Legal name: My Bridge Loans Corporation
- Location: Fountain Valley, Orange County, California
- Licenses: California DRE #01716773 · Company NMLS #2869596 · Jevon Perra (broker) NMLS #1006038
- Contact: 949-463-9898 · jevon@mybridge.loans · https://mybridge.loans/#submit
- Loan types: 1st trust deed bridge, 2nd trust deed, commercial bridge, owner-occupied business-purpose hard money
- Max LTV: 65% on 1st trust deeds; usually 60% CLTV on 2nd trust deeds (higher by exception); commercial up to 60% (mostly California); cross-collateralize additional property to increase the loan, even past 100% of the subject property's value
- Rates: 1st trust deeds 9.5% to 10.99%+; 2nd trust deeds 11.99% to 12.99%+; interest-only payments
- Points and term: usually 1.5 to 2 lender points plus broker; 3-year note; 3 to 6 month prepayment penalty; exceptions available
- Loan size: $100,000 to $4,000,000+; minimum origination $4,000
- Fees: underwriting $1,995; no processing fee; doc prep none in California, $495 outside California; third-party appraisal (commonly around $700); up to 30 days prepaid interest; credit report, title, escrow, flood and other reports at cost
- Speed: same-day answer on any scenario; typical funding in two weeks
- Credit and income: no minimum FICO; no income documentation; no seasoning; no employment verification; derogatories OK if the property works
- Foreign nationals and ITIN: OK with a tax ID or entity EIN and a U.S. bank account, at about 5% less leverage
- Also fine: cash out on a completed property, including one listed for sale; probate loans with court approval; irrevocable trusts usually
- Not offered: construction / ground-up loans; 2nd trust deeds in Texas or Nevada- Funding source: direct private investors (no bank committee); loans can be brokered to other capital when a scenario falls outside our box
- Who we work with: borrowers, real estate investors, mortgage brokers and loan officers (referral partners are protected on every file), attorneys with clients needing estate, divorce, or tax-lien liquidity
- Consumer mortgages (California only): conventional, FHA, VA, non-QM

## States for bridge loans
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, West Virginia

## Pages
- [Home](https://mybridge.loans/): loan programs, terms, fees, FAQ, states, scenario form
- [Hard money 2nd trust deed in Orange County](https://mybridge.loans/hard-money-2nd-trust-deed-orange-county.html): usually 60% CLTV behind a current first, funded examples; our most used product
- [Cash-out loan on a rental property](https://mybridge.loans/cash-out-loan-rental-property.html): 65% LTV on a 1st, 60% CLTV on a 2nd, no income docs, listed-for-sale OK
- [Probate and inherited property loans](https://mybridge.loans/probate-inherited-property-loan.html): loans to estates, heirs, and trusts; court approval
- [Owner-occupied business purpose hard money](https://mybridge.loans/owner-occupied-business-purpose-hard-money.html): what qualifies as business purpose
- [Tax lien payoff loan](https://mybridge.loans/tax-lien-payoff-loan.html): IRS, FTB, county liens paid through escrow
- [Cross-collateral bridge loan for a purchase](https://mybridge.loans/cross-collateral-purchase-loan.html): buy with little or no cash down using equity elsewhere
- [Foreign national and ITIN loans](https://mybridge.loans/foreign-national-hard-money-loan.html): no U.S. credit, ITIN or entity EIN, about 5% less leverage
- [Mortgage declined? Bridge loan alternative](https://mybridge.loans/mortgage-declined-bridge-loan.html): for loan officers and borrowers after a bank decline
- [Submit a scenario](https://mybridge.loans/#submit): send an address, value, loan amount, FICO, occupancy, lien position, purpose, and exit
- [Home loans in California](https://mybridge.loans/#consumer)
## Common questions we answer
- Hard money 2nd trust deed in Orange County / Los Angeles
- Bridge loan to buy a house before selling the current one in California
- Private money loan on a probate or inherited property
- Cash-out on a free-and-clear rental
- Business-purpose loan on an owner-occupied home
- Paying off an IRS or state tax lien with a real estate loan
- Bailing out a loan in default (non-owner-occupied)