Loading
Loading
Gustine is a small ag-community in Merced County. Properties here move on their own timeline — not always yours.
A bridge loan gives you short-term cash to buy your next property before your current one closes. No waiting, no missed deals.
6–12 Months
Typical Loan Term
Home Equity
Key Qualifier
Non-QM
Loan Category
Higher Than Conv.
Rate Type
Bridge Loans in Gustine
Bridge loans are non-QM products. Lenders care more about your equity and exit strategy than your tax returns.
Most lenders want at least 20–30% equity in your current home. Strong equity is your main qualification lever here.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Gustine.
Gustine is a small ag-community in Merced County. Properties here move on their own timeline — not always yours.
A bridge loan gives you short-term cash to buy your next property before your current one closes. No waiting, no missed deals.
Bridge loans are non-QM products. Lenders care more about your equity and exit strategy than your tax returns.
Banks rarely offer bridge loans anymore. Most of this volume runs through private and wholesale lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. That gives us real options for Gustine borrowers — not just one bank's product.
The mistake I see most: borrowers underestimate how fast bridge loan costs add up. These carry higher rates and fees than long-term loans.
Your exit strategy needs to be real — not optimistic. If the sale takes longer than expected, you're paying two mortgages. Plan for that.
Hard money loans are the closest alternative. They're also asset-based and fast — but terms can be even shorter and costs higher.
Interest-only loans give you lower payments during a transition. But they don't solve the timing gap the way a bridge loan does.
Gustine's market includes a mix of residential and agricultural properties. Some bridge lenders restrict rural or ag-zoned collateral.
Know your property type before you apply. A broker who knows Central Valley lending will match you to lenders that actually fund here.
Most bridge loans run 6 to 12 months. Some lenders offer up to 24 months if your exit timeline needs more runway.
Some lenders do — but not all. Agricultural or rural collateral requires a lender with specific appetite for Central Valley deals.
Credit helps but isn't the main driver. Lenders focus on your equity position and how you plan to repay the loan.
Bridge loans carry higher rates than conventional financing. Rates vary by borrower profile and market conditions — expect a premium.
You'll need to refinance or extend the bridge loan. Have a backup plan — carrying two loans gets expensive fast.