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Contra Costa County is investing in infrastructure. The East County Service Center construction in Brentwood signals sustained growth across the region.
Clayton buyers moving quickly need bridge financing to close on a new home before selling their current one. Bridge loans typically close in 7–14 days.
7–14 days
Typical Close Time
Varies by lender
Equity Required
Secondary to equity
Credit Focus
Interest-only
Payment Type
Bridge Loans in Clayton
Bridge loans require proof of funds for down payment and reserves. Lenders typically want 6–12 months of housing expenses in liquid assets.
Contra Costa County's median household income of $125,727 supports purchases in the $800,000 to $1,000,000 range. Bridge lenders focus on your current home's equity, not income.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Clayton.
Contra Costa County is investing in infrastructure. The East County Service Center construction in Brentwood signals sustained growth across the region.
Clayton buyers moving quickly need bridge financing to close on a new home before selling their current one. Bridge loans typically close in 7–14 days.
Bridge loans require proof of funds for down payment and reserves. Lenders typically want 6–12 months of housing expenses in liquid assets.
Bridge lenders in California range from specialty finance companies to portfolio lenders at regional banks. Most require a clear exit strategy—either a sale date or permanent loan commitment.
Typical bridge terms run 6–12 months with interest-only payments during the loan period. Rates are higher than conventional mortgages because the lender carries more risk.
Bridge loans make sense in Clayton when you have solid equity in your current home. You need to buy before you sell to compete effectively.
If your current home is already listed, a traditional contingent offer works better and costs less. Bridge loans win when multiple offers are on the table.
A contingent offer weakens your position but costs nothing upfront. Bridge loans cost more in interest but let you bid without conditions.
Conventional financing with a contingency is slower and riskier for sellers. Bridge loans trade higher cost for speed and certainty in Clayton's market.
Brentwood's $155 million East County Service Center is under construction now. That infrastructure spending supports property values for Clayton buyers planning to stay.
Richmond parks are getting multi-million dollar upgrades with new soccer fields and restrooms. Regional amenities matter to families deciding where to settle in Contra Costa County.
Bridge loans typically close in 7–14 days. That speed lets you make an offer without waiting for your current home to sell.
You need an exit strategy lined up before funding. Most bridge lenders require proof of how you'll repay—either a permanent loan or a sale date.
Yes. Bridge loans carry higher rates because they're short-term, higher-risk loans. You're paying for speed and certainty in a competitive market.
No. Bridge lenders focus on equity and liquidity more than credit scores. A lower score won't disqualify you if you have solid home equity.
Bridge loans typically require existing home equity to qualify. First-time buyers usually don't qualify unless they own another property with equity.