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Maricopa sits in southern Kern County, where oil industry workers and commuters often need to move quickly. A bridge loan lets you buy before your current home sells.
This is short-term financing — typically 6 to 12 months. It plugs the gap between closing on a new property and cashing out of the old one.
6–12 Months
Typical Loan Term
20–30% of Home
Equity Required
~620+
Min Credit Score
Non-QM
Loan Type
2–3 Weeks
Est. Close Time
Bridge Loans in Maricopa
Bridge loans are non-QM. That means lenders skip the standard debt-to-income rules. They care most about your equity and exit strategy.
You typically need 20–30% equity in your current home. Strong credit helps, but the deal structure matters more than your pay stubs.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Maricopa.
Maricopa sits in southern Kern County, where oil industry workers and commuters often need to move quickly. A bridge loan lets you buy before your current home sells.
This is short-term financing — typically 6 to 12 months. It plugs the gap between closing on a new property and cashing out of the old one.
Bridge loans are non-QM. That means lenders skip the standard debt-to-income rules. They care most about your equity and exit strategy.
Most retail banks don't touch bridge loans. You need a wholesale lender or private capital source. That's exactly where a broker earns their fee.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in short-term bridge products for California borrowers. Rates vary by borrower profile and market conditions.
The deals that fall apart aren't rate problems — they're timing problems. Bridge financing solves the timing problem directly.
Your exit strategy has to be airtight. Lenders want to know: is the departing property listed? Is it priced right? Vague answers kill approvals fast.
Hard money loans are close cousins — both are short-term and asset-based. Bridge loans typically have lower rates and suit cleaner deals with clear sale timelines.
Interest-only loans stretch payments out long-term. Bridge loans are purpose-built to be paid off fast. Know which tool fits your situation before you apply.
Maricopa is a small market. Homes can sit longer than in coastal metros. That makes a solid exit plan even more critical before you pull bridge financing.
Kern County buyers sometimes use bridge loans when relocating for work or upgrading within the region. The loan works here — but price your departing home aggressively.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if the deal warrants it.
No — that's the point. You use existing equity to fund the new purchase. Your old home sells during the bridge term.
Many lenders start around 620–640. Equity and exit strategy carry more weight than your score alone.
Yes. Bridge loans are short-term and higher-risk products. Rates reflect that. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work on owner-occupied and investment properties. Lenders will underwrite each scenario differently.
Faster than conventional — often 2 to 3 weeks with the right lender. Having your docs ready speeds things up.