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Bakersfield moves fast in competitive price ranges. If you've found your next property but haven't closed on your current one, a bridge loan keeps you in the game.
Bridge loans are short-term. Most run 6 to 12 months. They're designed to carry you between two transactions, not replace long-term financing.
6–12 Months
Typical Loan Term
20–30% Min
Equity Required
Non-QM
Loan Type
Varies by Lender
Rate Type
10–15 Business Days
Typical Close Time
Bridge Loans in Bakersfield
Bridge loans are non-QM. Lenders care about your equity position and exit strategy, not just your debt-to-income ratio.
You generally need strong equity in your departing property. Most lenders want at least 20–30% equity before they'll fund a bridge.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Bakersfield.
Bakersfield moves fast in competitive price ranges. If you've found your next property but haven't closed on your current one, a bridge loan keeps you in the game.
Bridge loans are short-term. Most run 6 to 12 months. They're designed to carry you between two transactions, not replace long-term financing.
Bridge loans are non-QM. Lenders care about your equity position and exit strategy, not just your debt-to-income ratio.
Big banks rarely do bridge loans. This product lives in the wholesale and private lending world — exactly where we operate.
With access to 200+ wholesale lenders, we can shop bridge programs across multiple sources. Terms vary widely. Rate and fee differences between lenders are meaningful.
The deals that fall apart on bridge loans usually have a weak exit. Before we ever talk rates, we want to know how you're paying this off.
Selling the departing property is the most common exit. Refinancing into long-term financing is another. Lenders will stress-test both. So do we.
Hard money loans overlap with bridge in function but differ in focus. Hard money leans toward distressed assets. Bridge loans assume two clean properties.
Interest-only loans can stretch affordability during a transition too. But they don't solve the timing gap — a bridge loan does.
Bakersfield has a diverse housing mix — oil-sector workers, ag families, and investors all transact here. Bridge loans serve all three groups.
Kern County's market includes both entry-level and move-up buyers. A bridge loan can be a smart move for a homeowner stepping up in price range without waiting on a sale.
Most bridge loans run 6 to 12 months. Some lenders offer extensions, but they cost money — plan your exit before you close.
No. That's the point of a bridge loan. You use equity in your current home to fund the purchase before you sell.
Requirements vary by lender. Bridge loans are non-QM, so equity and exit strategy often matter more than your credit score.
Yes. Bridge loans carry higher rates because they're short-term and non-QM. Rates vary by borrower profile and market conditions.
Yes. Investors use bridge loans to acquire properties before securing long-term financing. A clear refi plan is essential.
Faster than conventional loans. Some programs close in 10–15 business days depending on the lender and file complexity.