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Chowchilla sits in Madera County's agricultural heartland. Properties here move fast when priced right — and waiting to sell first can cost you a deal.
Bridge loans solve a timing problem. You buy the next property now, then sell your current one on your schedule.
6–12 Months
Typical Loan Term
650+
Min Credit Score
20–30% in dept. home
Equity Required
Interest-Only Common
Payment Structure
Non-QM / Portfolio
Loan Category
Bridge Loans in Chowchilla
Bridge loans are non-QM products. Lenders care more about your equity position than your debt-to-income ratio.
Expect to need at least 20–30% equity in your departing home. Strong credit still helps — most lenders want 650 or higher.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Chowchilla.
Chowchilla sits in Madera County's agricultural heartland. Properties here move fast when priced right — and waiting to sell first can cost you a deal.
Bridge loans solve a timing problem. You buy the next property now, then sell your current one on your schedule.
Bridge loans are non-QM products. Lenders care more about your equity position than your debt-to-income ratio.
Big retail banks rarely offer bridge loans. This is specialty financing — you need a broker with access to private and portfolio lenders.
At SRK CAPITAL, we shop 200+ wholesale lenders. We find bridge programs that fit Madera County properties and your specific equity picture.
The biggest mistake I see: borrowers wait too long to start. Bridge loan approval takes time. Get pre-approved before you're under contract.
Also watch the carry costs. Bridge loans run higher rates than conventional. Factor that into your numbers before you commit.
Hard money moves faster but costs more. Bridge loans typically carry lower rates and work better for owner-occupied transitions.
A HELOC is cheaper, but requires your current home to close first. If timing is tight, bridge wins on flexibility.
Chowchilla's market includes single-family homes, agricultural parcels, and rural residential properties. Not every lender will finance rural or mixed-use land — we screen for that upfront.
Madera County properties sometimes carry well and septic systems, acreage, or ag zoning. These details affect which bridge lenders will touch your file.
Most bridge loans run 6 to 12 months. Some lenders offer extensions if your departing home hasn't sold yet.
Many bridge loans are interest-only. Some defer payments entirely until the loan is paid off at sale.
Yes, but not every lender will approve rural or ag-zoned properties. We pre-screen lenders for your property type.
You'll need to refinance or pay off the bridge loan another way. Have a backup plan before you close.
Bridge loans typically carry lower rates and suit owner-occupied moves. Hard money is faster but more expensive.
Most lenders want 650 or higher. Equity in your current home carries more weight than credit score alone.