Bridge Loans in Whatcom County Washington
Timing is everything in real estate, and LoiNow delivers fast, short-term bridge loans for Whatcom County investors who need speed and flexibility. Whether selling in Bellingham, refinancing in Lynden, or securing a new acquisition in Ferndale, our asset-based underwriting helps you close quickly without bank delays, keeping you liquid and competitive.
Why Investors Choose LoiNow
Speed You Can Trust:
- Close in 5–10 business days
- Receive term sheets within 24 hours
- Direct, local decision-makers — no committees
Tailored Terms For Real Estate Professionals:
- Loan amounts: $250K to $10M+
- Terms: 6–18 months, interest-only payments
- Up to 75% LTV / 85% LTC
- No prepayment penalties
Perfect for Timing Gaps:
- Buying before selling your current property
- Temporary refinance to access trapped equity
- Quick close when bank financing delays risk your deal
How to Qualify?
- You own or are under contract on an investment property
- You have 20–25% equity or down payment
- You can show a defined exit plan (sale or refinance)
- You’re an LLC or business entity
Property Types Eligible
- Single-family investment properties
- Multifamily (2–20 units)
- Mixed-use and light commercial buildings
- Land or partially completed construction
- Value-add and transitional real estate assets
Local Market Insight
- Whatcom County offers strong growth potential with stable demand driven by Bellingham’s expanding economy and proximity to Seattle and Vancouver, BC.
- Investors are taking advantage of downtown redevelopment, coastal rental demand, and small multifamily conversion opportunities.
- LoiNow understands local market realities, including weather-driven construction delays, county permitting processes, and title/escrow timelines, keeping projects funded and on schedule.
How the Process Works
Submit Deal Scenario
Same-Day Soft Terms Issued
Fast Closing
Benefits over Traditional Banking
Close in 5–10 days
Based on equity / property value
Flexible payoffs
Local lending decisions
No income documentation
Loan Program Overview
| Feature | Details |
| Loan Type | Bridge / Gap Financing |
| Loan Amount | $250K – $10M+ |
| Term | 6–18 months |
| Interest Rate | Starting at 10.25% (interest-only) |
| Max LTV | 75% (up to 85% LTC) |
| Property Types | SFR, multifamily, mixed-use, commercial |
| Closing Speed | 5–10 business days |
| Draws | As-needed, milestone-based |
| Borrower | Entity / LLC only |
FAQs
A short-term, asset-based loan used to bridge financial gaps between buying and selling or refinancing investment properties.
Most closings happen within 5–10 business days, depending on title and payoff conditions.
No, we focus on property value, equity, and exit strategy.
Ready to fund your Whatcom investment?
Fast approvals. No income docs. Same-day term sheets.