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Welcome

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

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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:  

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

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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.

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News Feed

Wall Street is worried about NYCB's loan losses and deposit levels as stock sinks below $4
Posted on Friday March 01, 2024

NYCB restated recent quarterly earnings lower by $2.4 billion, formally replaced its CEO and delayed the release of a key annual report.

Shares of NYCB falls 25% after bank discloses 'internal controls' issue, CEO change
Posted on Friday March 01, 2024

The regional bank has been under pressure in recent months, in part due to concerns about its exposure to commercial real estate.

'Ghosting' gets more common in the job market: It's not a 'passing fad,' report says
Posted on Thursday February 29, 2024

Job applicants and employers are increasingly ghosting each other, data suggests. That behavior may be unwise, according to career experts.

Geely-backed car tech company takes aim at Nvidia's growing auto business
Posted on Thursday February 29, 2024

The electric car rush is creating demand for in-vehicle tech that companies from Nvidia to Huawei are chasing.

Paramount falls short of revenue expectations but posts surprise profit, strong streaming results
Posted on Wednesday February 28, 2024

Paramount+ reached 67.5 million subscribers during the period, a net increase of 4.1 million, and recorded 69% revenue growth year over year.

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
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GET IN TOUCH

14011 Ventura Blvd. Suite 402.
       Sherman Oaks CA 91423

818.616.7900

Info@bridgecapitalinc.com

Business hours

Monday – Friday: 9 am to 5 pm
Saturday, Sunday: Closed

Copyright © 2017 Bridge Capital Inc.