Learn about a Bridge Loan

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Learn about a Bridge Loan

Learn about a Bridge Loan | Valor Lending Group

A Bridge Loan is also known as a ‘hard money loan’ which is an oxymoron because they are not hard. The term hard money is more in reference to ‘hard money (cash) on the barrelhead’ so to speak. Quick and easy. This is an asset-based loan with limited documentation, easy qualifying, and primarily using a good equity position in the real estate collateral to ensure the loan funds are safe.

Would you like to learn about a Bridge Loan?

Is a Bridge Loan the right loan for you?

Valor Lending Group is ready to hit your next bridge loan out of the park!

We have helped many borrowers utilize a Bridge Loan and have funded over a half a Billion dollars in loans.

We are here to help you decide if a bridge loan is the right loan for your scenario.

Below are some reasons why you may want to use a bridge loan. We are standing by to answer any questions or concerns you may have. We look forward to making your dreams come true!

Why use a Bridge Loan?

Here are just a few reasons to use a bridge loan if you are looking to build up your real estate portfolio this year. There are many reasons to use a bridge loan for your investment property needs whether you are looking for fast turn times, present a stronger position with your offer or have credit history issues. A bridge loan may be a great choice for you. Sometimes you need to compete against cash buyers and a bridge loan does just that.

Typically, conventional mortgage lenders look at the borrower’s creditworthiness, assets, debt to income ratio, and many other variables when underwriting the loan. This can take too long and leave you without financing if you do not fit within the many underwriting guideline requirements.

That is where a bridge loan comes in. Bridge loan lenders look very closely at the property location, type, value, and potential cash flow (market rents, etc.) so that in the event of default, they can foreclose and still recover their funds. Therefore, the borrower’s income and credit are not a big deal providing that the property is desirable.

3 reasons to use a Bridge Loan:

1. FAST TURNAROUND TIME The application and approval process for a conventional loan can be time consuming, grueling, and difficult.

These conventional mortgage loans involve completing many forms and submitting hundreds of pages of supporting documents that are scrutinized with a fine-tooth comb. Also, with the number of loan requests these lenders receive, it can take weeks for a lender to even respond and/or approve them. Meanwhile, the seller requires short, strict performance timelines.

On the other hand, applying for a bridge loan takes much less time and is much easier. Pre-approval can occur within minutes of speaking to the Loan Officer, and you can get funded within a fraction of the time it can take a bank. Valor Lending Group Funds bridge loans nationwide, in most states, up to $25M in as little as 3 days, often without an appraisal. We fund bridge loans nationally, but outside of California they typically take 10-14 days and do require an appraisal or BPO.


If a property is in high demand, the buyer that has a bridge loan ready is often viewed as cash, which means you can now compete with cash offers. Since a bridge loan has a faster processing time and less red tape, there are fewer opportunities to fail.

Also, if a conventional lender turns the buyer down for a loan for any reason, it will ultimately kill the deal. A Bridge lender, however, can provide quick financing when a bank fails to perform so that you can complete the transaction and acquire the property. Valor Lending Group saves deals. We have relationships with hundreds of Realtors that call on us to save their transaction regularly.


When you seek a conventional loan from a bank or mortgage lender, they look at your credit scores and income history as just a few of the many variables to decide if they will approve your request.

With a bridge loan, lenders focus more on the value of the property, instead of heavily scrutinizing credit and income.

This allows you to get a loan even if you don’t have the strong credit and income that banks require.


Call or email us for immediate attention to your scenario!

Check out more information on our programs CLICK HERE

We look forward to an opportunity to demonstrate our prompt and professional handling of your bridge loan.

Recap of our Loan Products:

  1. Stated Income Loan (No Tax Returns, no W-2s, No P&L) up to $5M
  2. Bank Statement Loan (Great Bank Statement Programs for business owners and self-employed)
  3. Bridge Loan (As low as 20% down / minimal documentation) Fund in 7-10 days
  4. Fix and Flip Loan (90% of Purchase Price and 100% of Rehab Budget)
  5. Commercial Line of Credit up to $10M
  6. 100% Financing (cross collateralize- bridge loan)
  7. Foreign Nationals Loans (no social security or residency required)
  8. Raw Land & Lot Loan
  9. Ground up Construction Loan for spec homes, custom homes and commercial ground up to $500M
  10. 2nd Position Loan up to $5M
  11. DSCR (Debt Service Coverage Ratio) Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow
  12. Farms, Vineyards, Ranches and Agricultural Loan (20-30% down)
  13. Super Jumbo Loan up to $30M
  14. Manufactured Housing / Mobile Home Loan (20% down / 620+ credit score)
  15. Acreage Property Loan
  16. Commercial Loan up to $500M


We look forward to the opportunity to serve you!

CONTACT US TODAY for immediate attention to your scenario!

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**Rates and terms subject to change without notice**

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Valor Lending Group
CA DRE #02026238 | NMLS #1600345

Petco Park | Diamond View Tower
350 10th Ave / 10th Floor
San Diego, CA 92101
[email protected]
Office: (619) 344-2640
Fax: (619) 872-2400

Arizona Branch

Valor Lending Group, Inc.
Branch ID# 2245288 | MB-1030262

Eagle Ridge
1548 Hawkeye Ridge Ave
Prescott, AZ 86301
[email protected]
Office: (619) 344-2640
Fax: (619) 872-2400

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