Hard Money
Bridge Loans in Denver, CO
What is a Bridge Loans? Bridge Loans is a specialized mortgage solution offered by CMRE for real estate financing. This program provides tailored terms, flexible underwriting, and expedited closing timelines to meet the unique needs of property buyers and investors in Denver, CO.
Custom Mortgage arranges Bridge Loans financing in Denver, CO and across Denver County, including LoDo and Capitol Hill. Denver County's 2026 FHFA conforming loan limit is $862,500 for a one-unit home and $1,658,700 for four units, $29,750 above the $832,750 national baseline. Census ACS 2024 data puts the median owner-occupied home value in Denver County at $616,000, $246,500 below that one-unit limit.
Median household income there is $94,718 and 49% of homes are owner-occupied (Census ACS 2024).
Key Facts About Bridge Loans
CMRE hard money loans fund in as fast as 7 business days.
Hard money loans from CMRE require 20-35% down payment.
CMRE hard money programs accept properties that conventional lenders decline.
CMRE hard money loans cover fix-and-flip, bridge, and ground-up construction.
CMRE Bridge Loans funds in as few as 7 business days.
CMRE Bridge Loans is asset-based — property value drives qualification.
CMRE Bridge Loans LTV ranges from 65% to 90% ARV.
Program Benefits
Fast and flexible financing to bridge the gap between property transactions.
Competitive interest rates.
Ideal for homeowners looking to purchase a new home before selling their current one.
Simplified application and approval process for quick access to funds.
Allows you to make competitive offers without a sale contingency.
Opportunity to secure your dream home without the stress of timing the market.
Program Highlights
Max LTV
70%
Min Credit Score
600
Max DTI
50%
Loan Amount Range
$50K - $2M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- Multi-Family (1-4 Units)
Program Requirements
Income Documentation
- •Stable income source to support loan repayment.
- •Proof of income documentation, such as pay stubs or tax returns.
- •Debt-to-income ratio assessment to ensure affordability.
- •Self-employed borrowers may require additional documentation.
Asset Verification
- •Sufficient assets to cover down payment, closing costs, and reserves.
- •Verification of asset ownership through bank statements or investment account statements.
- •Clear and documented source of funds for the transaction.
- •Existing equity in current property can be used.
Insurance & Title
- •Hazard insurance to protect the property against damage or loss.
- •Title insurance to ensure clear ownership and protect against title defects.
- •Flood insurance may be required depending on the property's location.
- •Proof of adequate coverage is required before loan closing.
Property Requirements
- •Minimum FICO score of 600.
- •Review of credit history to assess creditworthiness.
- •History of responsible credit management.
- •Explanation for any past credit issues may be required.
Bridge Loans in Denver: The Complete Guide
What Is Bridge Loans?
A bridge loan is a short-term financing option used to 'bridge' the gap between purchasing a new property and selling an existing one. It provides quick access to funds, allowing borrowers to make offers on new homes without the contingency of selling their current home first. This can be particularly advantageous in competitive markets where speed and certainty are crucial.
Who Uses Bridge Loans?
- •Fix-and-flip investors needing fast acquisition and rehab capital.
- •Bridge borrowers financing between a sale and a purchase.
- •Auction buyers needing proof of funds and rapid closing.
- •Property owners facing foreclosure who need emergency refinancing.
- •Investors purchasing non-conforming properties traditional lenders won't finance.
Bridge Loans Terms and Structure
- •LTV: 65%-80% as-is value or 70%-90% ARV for fix-and-flip.
- •Terms: 6 months to 3 years — designed as short-term bridge.
- •Interest rates depend on LTV, condition, borrower experience.
- •Interest-only payments standard. Exit strategy required.
- •CMRE funds in as few as 7 business days.
Get Bridge Loans from CMRE
- •Step 1: Submit property details — address, price, value estimate, scope of work.
- •Step 2: CMRE issues term sheet within 24-48 hours.
- •Step 3: Appraisal or BPO — fast-track available.
- •Step 4: Underwriting on property value and exit strategy.
- •Step 5: Funding in as few as 7 business days.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Denver County at a glance
- Conforming loan limit (1 unit)
- $862,500
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,658,700
- Source: FHFA, 2026
- Above the national baseline by
- $29,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $616,000
- Source: Census ACS 5-year, 2024
- Median household income
- $94,718
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 49%
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 6.5
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: DENVER
DENVER, CO is a designated high-cost area with limits above the national baseline of $832,750.
1-Unit (SFR)
$862,500
2-Unit (Duplex)
$1,104,150
3-Unit (Triplex)
$1,334,700
4-Unit (Fourplex)
$1,658,700
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Bridge Loans in Denver, CO
Denver mortgage lending for the Front Range. Jumbo, conventional, and mountain property programs.Custom Mortgage & Real Estate specializes in providing high-fidelity Bridge Loans solutions tailored to the unique economic landscape of Denver and the surrounding Denver County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entireDenver metropolitan area.
Service Areas & Neighborhoods
Our Denver Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Get Matched in 60 Seconds
Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
Get Your Numbers
Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Bridge Loans in Denver
The latest available national 30-year fixed observation was 7.18% (Freddie Mac PMMS, week of 11/5/2026). Bridge Loans rates in Denver vary by loan amount, LTV, and credit profile — CMRE can issue a pre-approval within 24 hours of a complete application.
Timelines depend on the program, appraisal, and title: conventional purchases typically close in 14–21 days, and hard money loans can fund in as few as 7 business days. Pre-approvals are issued within 24 hours of a complete application.
CMRE funds hard money and bridge loans in Denver in as fast as 7 business days. Experienced investors in Denver County with strong equity positions may qualify for expedited underwriting.
Bridge Loans from CMRE in Denver typically requires 65-80% LTV depending on property type and borrower experience. Fix-and-flip investors in Denver County may access higher leverage with track record documentation.
See all Bridge Loans questions and program details
Bridge Loans by Location
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
