Buying your next home before selling your current one? A bridge loan from Pacific Community Lender lets you tap the equity in your existing home to make a strong, non-contingent offer on your next one — then pay it off when your current home sells. No rushed sale. No double moves. No temporary housing.
Short-term financing secured by the equity in your current home. We unlock a portion of that equity so you can put it toward the down payment on your next home. You move in, sell your existing home on your timeline, and pay off the bridge loan from the sale proceeds.
Access up to 70% of your current home's value (combined loan-to-value)
0% interest bridge funds for your down payment
Use funds for down payment, closing costs, mortgage coverage, moving, or listing prep
Up to 120 days to sell your departing residence after the new purchase
Removes your current mortgage from your debt-to-income ratio for qualifying
Make a non-contingent offer (much stronger in competitive markets)
Move once instead of twice
Avoid rushing to sell at a discount
Skip temporary housing and storage costs
Shop with cash-like buying power
| Traditional Path | PCL Bridge Loan |
|---|---|
| Sell first, then buy | Buy first, sell on your timeline |
| Contingent offers (often rejected) | Non-contingent, stronger offers |
| Move twice or rent in between | Move once, directly into new home |
| Pressure to accept lower offers | List at full market value |
| Stressful timing windows | Up to 120 days to sell |
Bridge loans work best when your current home is market-ready and likely to sell quickly. General requirements:
Expected days on market under 90 (list-to-pending)
Not currently listed for more than 150 days
No active major renovations (kitchen, bath, foundation, framing, roof, plumbing, electrical, HVAC)
No major defects in core systems
Inspection required on homes 5 years or older (unless recently inspected within 3 months)
Condos and HOA properties require additional review
The program fee is paid at the close of your departing home's sale — nothing out of pocket up front.
2.4%
of the final sale price of your current home
Minimums apply if sale price is under $375,000.
1%
of the final sale price — if you use your own cash for the down payment instead of unlocking equity
Minimum fee: $5,000.
Fees subject to change; additional fees may apply.
It's a 0% interest bridge loan you can use as the down payment on your new home. It's paid off when your current home sells.
Down payment, closing costs, temporary mortgage coverage, moving expenses, and listing prep on your departing residence.
Yes — once it goes under contract, an inspection is required for homes over 5 years old (unless one was completed in the last 3 months).
Up to 120 days from the close of your new home purchase.
Clarke will walk you through the full timeline and contingency plan during your consultation so you know exactly what to expect.
Yes. PCL offers bridge financing to California homeowners, including Vacaville and the greater Solano County area.
Bridge loans involve more moving parts than a standard purchase. Clarke Doyle (NMLS #226858), President and Broker at Pacific Community Lender, will walk you through whether a bridge loan is the right fit for your situation — at no cost.
Pacific Community Lender, NMLS #1322440 · BRE #01949419 · 190 S Orchard Ave Ste. B-115, Vacaville CA 95688 · Equal Housing Opportunity. Bridge loan terms, fees, and availability are subject to change and underwriting approval. This is not a commitment to lend. All loans subject to credit and property approval.