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Lemoore sits in Kings County, where inventory moves fast and timing matters. Missing a good buy because your current home hasn't sold yet is a real problem here.
A bridge loan gives you short-term cash to close on the next property. You repay it when your existing home sells — usually within 6 to 12 months.
6–12 Months
Typical Loan Term
~20% of home value
Min Equity Required
620+ typical
Credit Score Guidance
Non-QM
Loan Classification
Often interest-only
Rate Type
Bridge loans are non-QM. That means lenders look at the full picture — your equity, assets, and exit plan — not just your debt-to-income ratio.
Most lenders want at least 20% equity in your departing home. Strong credit helps, but the deal structure matters more than your score.
Banks rarely do bridge loans anymore. This product lives in the wholesale and private lending space — which is exactly where we operate.
We work with 200+ wholesale lenders. Several specialize in short-term bridge products for Central Valley borrowers. Rates vary by borrower profile and market conditions.
The deals I've seen fall apart on bridge loans usually share one problem: a weak exit strategy. Lenders want to know exactly how and when you're paying this back.
List your departing property before you close the bridge if you can. It shows lenders the exit is real. That alone can get you better terms.
Hard money loans are the closest alternative. They're faster to close but usually carry higher rates and fees than a structured bridge loan.
Interest-only loans can stretch your budget short-term, but they don't solve the timing problem. A bridge loan is purpose-built for this exact situation.
Lemoore's housing market is tied closely to Naval Air Station Lemoore. Military moves happen fast and on a fixed timeline — bridge loans fit that reality well.
Kings County properties are priced well below coastal California norms. That means equity builds differently here — lenders will look closely at your current home's appraised value.
Most bridge loans run 6 to 12 months. That's usually enough time to sell your Kings County home and close out the loan.
Yes. Military borrowers with a PCS order and home equity are strong candidates. Your timeline and equity position are what lenders focus on.
No — that's the point. You close on the new property first. Your existing home sale pays off the bridge loan.
There's no hard minimum like conventional loans. Most lenders want 620 or higher, but equity and exit strategy carry more weight.
Yes. Bridge loans are short-term and higher risk, so rates run above conventional. Rates vary by borrower profile and market conditions.
You'll need an extension or a refinance into a longer-term product. This is why lenders vet your exit plan hard before approving.
Bridge Loans in Lemoore