Flexible Short Term Real Estate Loans

The cost of a $100,000 bridging loan depends on the interest rate, origination fees, term length, and whether other closing costs apply. Golden Gate Lending Group structures bridge loans typically as interest-only payments for 6–12 months, with repayment when the current property sells or is refinanced. A consultation helps estimate payment, fees, and total carrying cost before you proceed.

A short term real estate loan is financing designed to solve a temporary timing gap. It can help borrowers buy a new property before selling an existing one, fund a renovation or fix-and-flip project, or cover interim capital needs. These loans are usually shorter than conventional mortgages and are often repaid through a sale, refinance, or longer-term loan.

Bridge loan pre-approval may often be available within 12–24 hours when documentation, equity details, and purchase goals are clear. Golden Gate Lending Group also offers 30-minute bridge loan consultations and responsive support, including weekend availability for urgent or tight-deadline cases. Funding speed depends on property review, loan structure, underwriting, and closing requirements.

Short term real estate loans are useful for homeowners buying before they sell, luxury buyers competing with non-contingent offers, investors funding fix-and-flip projects, and borrowers needing gap or interim financing. They are especially helpful when a traditional sale timeline would slow down a purchase, reduce negotiating power, or create pressure to accept a lower offer.

Bridge loans are commonly secured by your current home, your new home, or sometimes both, depending on equity, purchase price, and loan structure. This collateral helps create financing flexibility while you transition between properties. Golden Gate Lending Group reviews your equity position and target property to recommend a structure aligned with your timeline and repayment plan.

Bridge loan terms typically range from 6 to 12 months and are often structured with interest-only payments during the loan period. The principal is usually repaid when the current home sells, when the property is refinanced, or when another planned exit strategy is completed. The right term depends on market timing and transaction complexity.

Yes. A bridge loan may help you make a non-contingent offer before your existing home sells, which can strengthen your position in competitive real estate situations. By reducing reliance on a sale contingency, you may be able to act more like a cash buyer while preserving time to sell your current property strategically.

During a consultation, a loan specialist reviews your goals, current property equity, purchase target, timeline, and expected exit strategy. You can discuss whether a bridge loan, hard money loan, gap financing, or interim financing approach fits best. The goal is to clarify available options, likely terms, documentation needs, and next steps before applying.