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Owner-Occupied Bridge

Our Owner Occupied Bridge Loan Program allows Buyers to be very competitive when buying a home. With our Owner Occupied Bridge Loan Program, buyers can purchase their new home before selling their existing home,  without having to meet the stringent debt to income ratios of a conventional lender.

At this time, we only make Owner Occupied Bridge loans in California.

"When homeowners live in hot housing markets with fierce competition, they need to be able to move quickly. Submitting an offer with less contingencies – and that can close quickly – gives these buyers an upper hand and can make their offer more appealing to the seller.  Many buyers can benefit from getting an 'Owner-Occupied Bridge Loan.' " - Janet S., Real Estate Agent

An Owner Occupied Bridge Loan is a short term – usually 11 months or less – loan given to homeowners who want to purchase a new primary residence prior to the sale of their current home.

  1. Allows the borrower to leverage the equity in their current home before selling their current home.
  2. The borrower does not need to qualify for a conventional bank loan on the NEW home in addition to the current home they may have a conventional loan on.
  3. Quick underwriting – often as low as 7-14 days from complete package review to close.
  4. With sufficient equity, the borrower can write an offer that is not contingent on financing if desired, so is more competitive.
  5. The borrower can close quickly on the new home.
  6. After the buyers purchase their new home using a bridge loan, they can more leisurely sell their old home. By selling their old home more slowly, they'll be less stressed, won't have to deal with multiple moves and will get the best price.

Do not hesitate to reach out to discuss your loan scenario and get a quote!


Expertise You Can Trust

Since 2011, Red Tower Capital has been helping borrowers achieve their dreams.

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What They Say About Us:

Having known Red Tower Capital for over 10 years, I can safely say, they are the most reliable private lender in the market.

Red Tower Capital solved my financing problem. They are great!  Thank you!

Red Tower has done the easy loans for our clients.  But when needed, they have also provided custom solutions to our borrower's needs.  Thanks again!

Although I also invest in stocks, real estate and gold, I keep some of my funds in Red Tower's mortgage fund to provide me consistent income.

Red Tower Capital provided multiple loans to me over the years.  They are easy to work with and very responsive.  Thank you!

We have placed a handful of loans successfully with the Red Tower team over the years.  Thank you for funding our deals!

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