Welcome

We look forward to putting our
mortgage services to work for you!

Mission Statement

We are committed to help people make the American Dream of home ownership come true. We accomplish this by providing personalized customer service, securing the lowest rates possible and offering a wide variety of loan programs to meet the needs of our clients - whether a first time home-buyer or an experienced investor.

Our Vision

We work hard every day to become one of the best independent mortgage companies in the state, growing into a name associated with a "bridge" connecting people with their future homes.

Loan Types

FIXED RATE

This is the most common loan type. A fixed rate is set for the life of the loan, which means it cannot go up or down (without refinancing). Homeowners enjoy knowing exactly how much their mortgage and interest payments will be every time. Loan terms are usually for 30 or 15 years.

ADJUSTABLE RATE (ARM)

Homeowners and investors get to enjoy a lower rate for a fixed period of time but after the fixed term is up it will adjust accordingly. Also, with an ARM, homeowners with lower credit scores who can’t qualify for a decent fixed rate enjoy the lower rate for a certain period of time. At that time, whether rates are higher or lower, their rate will correspond with market conditions.

80-10-10

An 80-10-10 loan is a mortgage option in which a home buyer receives a first and second mortgage simultaneously, covering 90% of the home’s purchase price. The buyer puts just 10% down. This loan type is also known as a piggyback mortgage. The 80-10-10 loan also eliminates the need for P.M.I.

OTHER

Typical loans require a down payment of 20%, but there are plenty that don’t! We offer a wide variety of programs to suit your needs. As low as 0% down payment, self-employed can qualify with stated income, jumbo loan amounts, private money loans, and more. Contact us to find out what’s right for you!

FHA

An FHA loan is a mortgage insured by the Federal Housing Administration. Borrowers with FHA loans pay for mortgage insurance, which protects the lender from a loss if the borrower defaults on the loan. Unlike most conventional loans, FHA doesn’t require a large down payment. You can put down as little as 3.5 percent of the purchase price of the property. FHA loans are a good option for young, first-time home buyers as it does not require a high credit score or perfect credit history.

JUMBO

This is recognized by Fannie and Freddie, so they have certain exceptions for specific counties in the country, including many counties in California. The highest limit before a loan is considered jumbo in California is $970,800 in counties such as Los Angeles, Orange, San Francisco, and Santa Barbara. Loans in amounts greater than these are called jumbo loans, and loans greater than $2,000,000 on average, are considered super jumbo loans. The approval criteria are analyzed in more detail, and the interest rates are higher and a larger down payment is required compared to a conforming loan amount.

Qualification Process

Pre-qualifying for a home is quick and easy. We can get you pre-qualified over the phone and give you an estimate on how much home you can afford. To start, we need verbal info on the following:

Your assets
Income
Liabilities

Once you’re ready to purchase, we highly recommend getting a pre-approval. This allows us to give you an exact number that you can qualify for. You will also receive a pre-approval letter which shows potential sellers that you’re serious, ready and qualified to buy their house! What you’ll need for a pre-approval is as follows:

Proof of income
Proof of assets
Employment Verification
Identification Documentation

A credit report will be pulled upon completing your pre-approval.

LEARN MORE

Buying a Home

Buying a home is one of the biggest acquisitions people make. It is an exciting time no matter if you are a first time home buyer or an experienced investor. We at Bridge Capital have the knowledge and experience to streamline your home buying process. You can rest assured that you are in good hands with the team at Bridge Capital.

Apply now Find a loan Originator

News Feed

Why the new spot ether ETFs may ‘be a hit’ despite recent weakness
Posted on Friday July 26, 2024

It's a historic week for the cryptocurrency markets with spot ether exchange-traded funds making their debut.

Berkshire Hathaway dumps $2.3 billion of Bank of America shares in a 6-day sale
Posted on Thursday July 25, 2024

Warren Buffett's holding company sold more Bank of America shares this week, reducing its holding across six consecutive trading days.

China to use ultra-long bonds for consumer, trade-in policy support as worries about retail sales slump grow
Posted on Thursday July 25, 2024

China on Thursday announced its most targeted measures yet for boosting consumption, which has remained lackluster since the pandemic.

Britain will soon lay out new plans to regulate 'buy now, pay later' firms like Klarna after delays
Posted on Thursday July 25, 2024

A U.K. Treasury department spokesperson said the government will set out plans to regulate "buy now, pay later" plans "shortly."

Chinese EV startups are spending more on research than Tesla is
Posted on Thursday July 25, 2024

U.S.-listed Chinese electric car companies are spending more on research as a ratio to sales than Tesla, according to CNBC analysis.

ABOUT US

Bridge Capital Home Loans is a boutique mortgage brokerage based out of Glendale CA. With over 30 years of combined experience in the lending industry, our team of experienced

GET IN TOUCH

14011 Ventura Blvd. Suite 402.
Sherman Oaks CA 91423

818.616.7900

Info@bridgecapitalinc.com