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Antioch sellers who find their next home first face a real problem. They need to buy now but haven't closed on their current property yet.
A bridge loan covers that gap. It uses your existing home's equity as collateral while you complete the purchase.
6–12 Months
Typical Loan Term
20–30% Min
Equity Needed
Non-QM
Loan Type
Varies by Lender
Rate Type
Equity + Exit Plan
Qualification Basis
Bridge Loans in Antioch
Bridge loans are non-QM products. Standard debt-to-income rules don't apply the same way they do on conventional loans.
Lenders focus on equity in your departing home and your ability to carry both properties short-term. Expect to need at least 20–30% equity to qualify.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Antioch.
Antioch sellers who find their next home first face a real problem. They need to buy now but haven't closed on their current property yet.
A bridge loan covers that gap. It uses your existing home's equity as collateral while you complete the purchase.
Bridge loans are non-QM products. Standard debt-to-income rules don't apply the same way they do on conventional loans.
Big banks rarely offer bridge loans anymore. Most of this volume lives with private lenders, hard money shops, and wholesale non-QM lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. That means we can actually shop bridge loan terms instead of taking one bank's word for it.
The biggest mistake I see: borrowers wait too long. They find the right home, lose it to a clean offer, then ask about bridge financing.
Get pre-approved for the bridge loan before you start shopping. Sellers in Antioch move fast. A contingent offer is usually a dead offer.
Hard money loans are the closest alternative. They're also short-term and equity-based, but typically carry higher rates and fees than bridge loans.
HELOC financing is another option if you have time. But HELOCs can take weeks and require income documentation that bridge lenders sometimes skip.
Antioch sits in the East Bay, where move-up buyers are common. Many homeowners have built real equity over the past several years.
That equity is the engine of a bridge loan. If your Antioch home has appreciated, you may have more borrowing power than you think.
Most bridge loans run 6 to 12 months. That gives you time to sell your current home and pay off the bridge.
Often yes, at least temporarily. Some lenders structure interest reserves into the loan to reduce that burden.
You'll need to refinance or extend the bridge. Have a backup plan — lenders will ask about it upfront.
Yes. Bridge loans are short-term, higher-risk products. Rates vary by borrower profile and market conditions.
Yes. Investor bridge loans exist, though terms differ from owner-occupied scenarios. Ask about investor loan options.
Most lenders want 20–30% equity in your departing home. Higher equity means better terms and more lender options.