Rate Table
Current Bridge Loan Rates
| Loan Type | Rate (per yr) | Origination | Max LTV/LTC | Term |
|---|---|---|---|---|
| Residential Bridge | 8.5% – 11% | 1.5 – 2.5 pts | 75% LTV | 6–24 mo |
| Fix & Flip | 9% – 12% | 2 – 3 pts | 90% LTC | 6–18 mo |
| Commercial Bridge | 9.5% – 13% | 1.5 – 2.5 pts | 70% LTV | 12–36 mo |
| Construction | 10% – 14% | 2 – 3 pts | 85% LTC | 12–24 mo |
| Multifamily (5+) | 9% – 12.5% | 1.5 – 2.5 pts | 75% LTV | 12–24 mo |
Rates are not a commitment to lend. Final rate depends on LTV, credit score, property type, market, and loan term. Subject to change without notice.
What Affects Your Rate?
📉 Factors That Lower Your Rate
- Lower LTV (under 65%)
- Strong credit score (720+)
- Experienced investor (5+ deals)
- Shorter loan term
- Strong property value/location
📈 Factors That Raise Your Rate
- Higher LTV (over 70%)
- Lower credit score (under 660)
- First-time investor
- Distressed property type
- Rural or non-major market
Fees & Closing Costs
| Fee | Typical Amount | Notes |
|---|---|---|
| Origination Fee | 1.5 – 3 points | Paid at closing; deducted from proceeds |
| Appraisal | $450 – $2,500 | Depends on property type and size |
| Title & Escrow | $800 – $2,000 | Varies by state and loan amount |
| Processing Fee | $995 – $1,495 | Document preparation and review |
| Recording Fees | $50 – $250 | County recorder fees |
| Prepayment Penalty | 3–6 month minimum interest | Varies by loan type; waivable on some products |
You will receive a complete fee disclosure with your term sheet before any commitment is made.
Explore More
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