How to Use a Bridge Loan for Refinance or Purchase in Southern California | Valor Lending Group
Are you ready to seize your next real estate opportunity in SoCal? Whether you’re upgrading into your dream home, refinancing to unlock cash, or snapping up an investment property, knowing How to Use a Bridge Loan for Refinance or Purchase in Southern California could be the key to moving fast in one of the most competitive markets in the country.
My name is Hayden Madison, and I’m a Senior Loan Officer at Valor Lending Group. I specialize in securing flexible, fast, and creative financing solutions for clients across Southern California. From luxury homes in Malibu to multi-family projects in San Diego, bridge loans are one of my favorite tools to help buyers and investors act with confidence, even when traditional financing might take too long.
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s turn market timing into your advantage with flexible bridge financing.
Why Bridge Loans Work So Well in Southern California
In SoCal real estate, speed is everything. Sellers often won’t wait around for lengthy bank approvals, and buyers need to act quickly to win deals in hot markets like Los Angeles, Orange County, and San Diego. That’s where bridge loans come in.
Here’s why bridge loans are a game-changer in Southern California:
- Fast approvals and closings: often in days, not weeks
- Competitive edge: your offer can be considered “as good as cash”
- Flexibility: use for purchases, refinances, or even cross-collateral deals
- Investment power: perfect for flips, rentals, or portfolio growth
How to Use a Bridge Loan for Refinance or Purchase in Southern California
A bridge loan is a short-term financing solution that “bridges the gap” until permanent financing is in place. Whether you’re refinancing to access cash-out equity or purchasing your next property, this tool can keep you moving quickly without missing an opportunity.
Common uses include:
- Refinance with cash-out to fund renovations or new investments
- Purchase your next home before selling your current one
- Investor flips or value-add deals that need quick, flexible funding
- Cross-collateral loans using equity from another property to cover 100% financing
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s bridge the gap between where you are and where you want to be in SoCal real estate.
Bridge Loan Highlights
Here are a few reasons investors and homeowners turn to bridge loans in SoCal:
- Up to 65% LTV (purchase and refinance)
- Cash-out refinance with unlimited funds available
- 12–24 month interest-only terms
- No income or employment verification required
- Same-week closings available
- Properties: single-family, multi-family, condos, apartments, commercial
Who Should Consider a Bridge Loan?
Bridge loans are perfect for:
- Homeowners who want to purchase before selling
- Investors flipping distressed properties in LA, SD, or OC
- Developers who need quick cash flow for value-add projects
- Business owners refinancing or repositioning commercial properties
If you’ve been wondering How to Use a Bridge Loan for Refinance or Purchase in Southern California, the answer is simple: when timing is everything, this loan gives you the speed, leverage, and flexibility to win.
At Valor Lending Group, I’ve helped clients across Southern California use bridge loans to scale portfolios, win bidding wars, and move into dream homes without delays. I work with a wide network of direct lenders to secure competitive rates and flexible structures so you don’t have to shop around. I move fast, communicate every step of the way, and treat your deal like it’s my own.
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Let’s get your SoCal deal funded fast.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me, Hayden Madison, directly at 858-349-7538, and turn your dreams into reality today!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches, and Agricultural Properties (25-30% down)
- 10% down, Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming, aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance, including Cash Out
**Rates and terms are subject to change without notice
