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Emeryville sits between Oakland and Berkeley. Properties here move fast, and sellers rarely wait for your existing home to close.
A bridge loan gives you short-term capital to act now. You buy the new property, then repay when your current home sells.
6–12 Months
Typical Loan Term
20%+ in Current Home
Equity Required
Non-QM
Loan Type
Usually Interest-Only
Rate Type
Equity + Exit Strategy
Primary Qualifier
Bridge Loans in Emeryville
Bridge loans are non-QM products. Lenders care more about your equity position than your pay stubs.
Most lenders want at least 20% equity in your departing home. Strong credit helps, but asset strength drives approval here.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Emeryville.
Emeryville sits between Oakland and Berkeley. Properties here move fast, and sellers rarely wait for your existing home to close.
A bridge loan gives you short-term capital to act now. You buy the new property, then repay when your current home sells.
Bridge loans are non-QM products. Lenders care more about your equity position than your pay stubs.
Banks rarely touch bridge loans. This product lives in the non-QM and private lending world.
At SRK CAPITAL, we shop across 200+ wholesale lenders. We find bridge programs that fit your timeline and exit strategy.
The biggest mistake borrowers make: waiting too long to apply. Bridge loans take time to underwrite. Start early.
Have a clear exit plan. Lenders ask how you're repaying — sale proceeds, refinance, or both. Vague answers slow approvals.
Hard money loans are the closest alternative. They're faster but carry higher rates and fees than bridge financing.
A HELOC on your current home can work too — if you have time and sufficient equity. Bridge loans close faster when speed matters.
Emeryville is a small city with a tight housing stock. Condos and live-work units dominate. Properties get multiple offers quickly.
Alameda County's property values support the equity positions bridge lenders require. That works in your favor here.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your exit strategy supports it.
No. That's the point. You close on the new property first, then repay the bridge when your old home sells.
Requirements vary by lender. Equity and exit strategy carry more weight than credit score on most bridge programs.
Often yes, but lender policies on condos vary. Some require warrantable condo status. We check this before you apply.
You'll need to refinance or extend the bridge loan. Having a backup plan is something every lender will ask about.
Yes. Bridge loans carry higher rates than conventional financing. Rates vary by borrower profile and market conditions.