Loading
Loading
Mariposa sits in the Sierra Nevada foothills, where inventory is thin and good properties move fast. Waiting to sell first often means losing the house you want.
A bridge loan gives you short-term cash to close on the new property now. You repay it once your current home sells.
6–12 Months
Typical Loan Term
20–30% Min.
Equity Required
Interest-Only
Payment Structure
Non-QM
Loan Type
2–3 Weeks
Typical Close Time
Bridge Loans in Mariposa
Bridge loans are non-QM products. Lenders care more about your equity and exit plan than your debt-to-income ratio.
Most lenders want at least 20-30% equity in your departing property. Strong credit helps, but the deal structure matters more.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Mariposa.
Mariposa sits in the Sierra Nevada foothills, where inventory is thin and good properties move fast. Waiting to sell first often means losing the house you want.
A bridge loan gives you short-term cash to close on the new property now. You repay it once your current home sells.
Bridge loans are non-QM products. Lenders care more about your equity and exit plan than your debt-to-income ratio.
Most retail banks don't touch bridge loans. This is a wholesale and private lending product. You need a broker with real access to those programs.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in short-term bridge financing for rural and foothill California markets.
The biggest mistake I see: buyers underestimate how long it takes to sell in Mariposa. Build your timeline conservatively. A 6-month bridge can extend to 12.
Also, price your departing home to sell. A bridge loan sitting past its term gets expensive fast. Your exit plan is everything with this product.
Hard money loans are the closest alternative. They're also short-term and asset-based, but rates run higher and terms are stricter.
A HELOC on your current home can work if you have equity and time. But HELOCs can be frozen if the property goes on the market. Bridge loans don't have that risk.
Mariposa County is largely rural and close to Yosemite. Properties here often include acreage, wells, and septic systems. Appraisals take longer and can be tricky.
That appraisal complexity affects how lenders value your collateral. Work with a broker who knows how rural California lenders underwrite these deals.
Most bridge loans run 6 to 12 months. Extensions are available but cost more, so plan your sale timeline before you close.
No — that's the point. You close on the new property first. The sale of your current home is your repayment plan.
There's no hard floor like conventional loans. Lenders focus on your equity and exit strategy. Strong credit still helps you get better terms.
Yes, but not every lender handles rural collateral well. You need a broker with access to lenders experienced in foothill and rural California deals.
Most are. You pay interest monthly and repay the principal when your current home sells. This keeps payments manageable during the transition.
Faster than conventional — often 2 to 3 weeks with the right lender. Rural appraisals are the main variable that can slow things down.