© WHERE WE LEND BRIDGEPORT · CT
HARD MONEY LENDER BRIDGEPORT
Bridgeport bridge, flip and DSCR money from a lender that answers the phone and closes on time.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Bridgeport is Connecticut's largest city, set on Long Island Sound where the Pequonnock River meets the harbor, with Fairfield on one side and Stratford on the other. Black Rock keeps the waterfront character, downtown holds the old commercial and mill fabric, and the Metro North line puts Manhattan within commuting distance. Yields here are unusual for Fairfield County.
Loan Goat funds Bridgeport deals the way it funds Connecticut deals generally, on the asset. Fairfield County is the working radius, and the same terms extend to New Haven, Stamford and Waterbury when the next opportunity lands one town over.
The whole point of a private lender is that the deal decides the answer. On Bridgeport property that means value, exit and plan, reviewed by the same desk that releases the funds. Veteran-owned, in business since 2022, 1.3K+ loans closed.
© THE COST BRIDGEPORT · CT
WHAT DO BRIDGEPORT HARD MONEY LOANS COST
Cost on a Bridgeport file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a Bridgeport deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. A Bridgeport deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT BRIDGEPORT · CT
WHY LOAN GOAT IN BRIDGEPORT
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Bridgeport borrower gets written terms, in-house capital and one person who can say yes. Nothing is sold to a warehouse line mid-process and nothing is re-priced at the closing table, which is why the review record reads 5.0 across 150+ reviews.
Wood frame two and three family houses across most neighborhoods, Victorians in Black Rock, brick factory and mill buildings near the river and downtown, and mid century apartment blocks scattered through the north end. None of that is unusual here; it is the normal book.
Three family houses bought, renovated and refinanced are the core engine of this market. Small multifamily value add scales quickly, mill buildings convert to loft apartments for the commuter tenant, and downtown storefront property suits patient capital. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
BRIDGEPORT DEALS, FUNDED FROM SAN DIEGO.
Fairfield County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS BRIDGEPORT · CT
MOST COMMON BRIDGEPORT LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Bridgeport replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Bridgeport auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Bridgeport real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Fairfield County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Fairfield County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Bridgeport investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Fairfield County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Bridgeport whose write-offs make a bank file impossible.
- VACATION RENTAL Bridgeport vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Bridgeport who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN BRIDGEPORT
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES BRIDGEPORT · CT
PROPERTY TYPES WE FINANCE IN BRIDGEPORT
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in and around Bridgeport, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning in Bridgeport bridged to an SBA or conventional exit.
- SELF-STORAGE Bridgeport storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Bridgeport on the land program.
- MANUFACTURED HOMES Fairfield County manufactured home communities on bridge and commercial terms.
- ASSISTED LIVING Bridgeport care facilities bridged through licensing and stabilization.
© THE APPROACH BRIDGEPORT · CT
HOW WE LEND IN BRIDGEPORT
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Bridgeport borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
BRIDGEPORT BORROWERS, IN THEIR WORDS
-
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS
© QUESTIONS BRIDGEPORT · CT
BRIDGEPORT HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
-
Yes. Loan Goat funds investment property in Bridgeport and across Fairfield County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Bridgeport files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Bridgeport deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Fairfield County. Owner-occupied has its own program. If the Bridgeport asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. That is a textbook use of bridge money in Bridgeport and Fairfield County: acquire the three family, fund the renovation, season the rents, then refinance into a DSCR loan. Loan Goat qualifies the property and its rent roll, not your W2, and there is no prepayment penalty, so the refinance can happen as soon as the building performs.
-
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms
© WHERE WE LEND BRIDGEPORT · CT
BRIDGEPORT, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE BRIDGEPORT · CT
SUBMIT A LOAN REQUEST
Please fill the form below and a lending advisor from our firm will reach out.
Or just give us a call now
(619) 617-2797
