MARIN COUNTY Bridge Loans
Marin County Bridge Loans — Buy Before You Sell
Buy First, Move Once, Sell Smart with Bridge Financing in Marin County
In Marin County, timing is everything. Homes are in high demand, prices are strong, and the best properties could be bought up in just days. At Golden Gate Lending Group, we offer bridge loans designed to help Marin County homeowners buy their next home before selling their current one—without pressure, rushed decisions, or discounted pricing.
Our bridge loans let you use the equity in your current home so you can move forward with confidence, privacy, and control.
Why You’ll Need Bridge Loans in Marin County, California
Marin County real estate is competitive and often favors buyers who can move fast. A bridge loan may be needed when
- You find the right home before your current one sells
- You want to avoid making an offer with a home-sale contingency
- You don’t want to rush your sale or lower your price
- Much of your wealth is tied up in your current property
- You want one smooth move instead of temporary housing
A bridge loan helps you act quickly while protecting your long-term value.
How Our Marin County Bridge Loans Work
- 1. We evaluate your current and target properties.
- 2. You receive a bridge loan secured by your existing home.
- 3. You buy your next home first — with cash-like strength.
- 4. Once your old home sells, the bridge loan is paid off.
- Loan Consultation: We start with a quick consultation to review your goals, equity position, and target property — whether you’re upgrading in Ross, buying in Belvedere, or relocating to San Anselmo.
- Apply and Get Approved: Receive fast, flexible pre-approval (often within 12–24 hours). Move confidently with a non-contingent offer backed by local expertise.
- Make Offer: Once pre-approved, you can buy before you sell — positioning yourself like a cash buyer and gaining an edge in multiple-offer situations.
- Enter Into Contract and Close: Bridge loan terms typically range from 6–12 months, are interest-only, and repaid once your current home sells or is refinanced. We’ll structure your loan to fit your needs — secured by your current home, your new home, or both.
- Funding and Closing Dream Home: We fund your loan quickly so you can move into your next Marin home immediately — no waiting, no stress.
Local Advantages for Marin County Clients
We work with discerning clients across Marin’s most exclusive communities:
Mill Valley · Tiburon · Belvedere · Ross · Kentfield · Larkspur · Corte Madera · Sausalito · San Rafael · Novato · Fairfax
- Based in Tiburon — serving the entire Bay Area
- Over 500 families helped and $1 B+ funded
- Trusted by Compass, Coldwell Banker & Sotheby’s agents
- A luxury homebuyer upgrading to a view property in Tiburon
- A relocating family seeking space in San Rafael or Novato
- A real estate investor capitalizing on Marin’s appreciating markets
Who We Serve in Marin County
We work with Marin County realtors, homeowners, and mortgage brokers who
- Are moving up, downsizing, or relocating
- Own high-value or luxury homes
- Want to buy before selling
- Prefer a private, hands-on lending experience for themselves or a client
- Need a lender who understands complex timing and equity planning
Our clients value thoughtful planning, not rushed transactions.
Typical Bridge Financing Scenarios We See in Marin County, California
Some of the most common situations we help with include
- Buying a new home in Tiburon, Mill Valley, or Ross before listing the current one
- Making a clean offer without a sale contingency in a competitive bidding situation
- Using equity to increase a down payment and improve offer strength
- Selling a home with proper staging and marketing instead of a quick sale
- Avoiding double moves, rentals, or storage
An example scenario
Current home value $2,000,000
Existing mortgage $300,000
Estimated equity $1,700,000
A bridge loan allows you to borrow against a portion of that equity, buy your next home, move in, then sell your current property on your timeline.
Marin Market Insights and Trends
Marin County consistently ranks among the highest median home prices in the Bay Area, driven by limited inventory and lifestyle demand.
As of 2026, the median home price exceeds $1.6 million, and well-staged listings in premier areas average just three weeks on market.
Bridge financing has become an essential tool for homeowners who want to move fast and strategically in this competitive environment.
FAQs for Marin County Bridge Loans
What is the main benefit of a bridge loan?
A bridge loan lets you buy before you sell by using your home equity. You don’t have to rush your sale or liquidate investments to move forward.
How long do bridge loans last?
Bridge loans are short-term, often just a few months. There is no prepayment penalty, so you can pay it off as soon as your home sells.
What if my Marin County home takes longer to sell?
We plan for that. We review conservative timelines, pricing, and backup options like refinancing or adjusted selling strategies.
Is a bridge loan better than a HELOC or cash-out refinance?
It depends. HELOCs and cash-out refinances can work if you have time and meet income rules. Bridge loans are often better when speed matters and you want to buy before you sell.
What do we look for to approve a bridge loan?
Approval is mainly based on
– Your existing mortgage
– Your home’s value and equity
– The purchase details of your next home
No income verification is required.
Ready to Buy First and Sell on Your Terms?
If you’re planning a move in Marin County and want a smarter way to use your equity, Golden Gate Lending Group is here to help.
Schedule a private, no-obligation consultation to discuss
Marin County bridge loan options
How to unlock your home equity
A financing strategy built around your next move
Buy First, Move Once, and Sell Smart with Golden Gate Lending Group.