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Los Banos sits in Merced County's Central Valley, where move-up buyers often find their next home before their current one sells.
A bridge loan covers the gap. You tap equity in your existing home to fund the purchase — then pay it off when you close the sale.
6–12 Months
Typical Loan Term
20–30% Min.
Equity Needed
Interest-Only Available
Rate Type
Non-QM
Loan Category
Equity-Driven Approval
Credit Focus
Bridge Loans in Los Banos
Bridge loans are Non-QM products. Lenders care more about your equity position than your debt-to-income ratio.
You generally need strong equity in your departing home — most lenders want at least 20–30% after the bridge is factored in.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Los Banos.
Los Banos sits in Merced County's Central Valley, where move-up buyers often find their next home before their current one sells.
A bridge loan covers the gap. You tap equity in your existing home to fund the purchase — then pay it off when you close the sale.
Bridge loans are Non-QM products. Lenders care more about your equity position than your debt-to-income ratio.
Banks rarely offer bridge loans anymore. This product lives almost entirely with private and wholesale lenders.
SRK CAPITAL works with 200+ wholesale lenders. We find the bridge program that fits your equity, timeline, and exit plan.
The most common mistake: underestimating the carry cost. You'll hold two loans simultaneously, even if briefly.
Your exit strategy is everything. Lenders need to see a clear plan — listed property, pending sale, or rental income to refinance out.
Hard money loans are the closest alternative. They're also asset-based, but typically carry higher rates and fees than bridge products.
Interest-only loans can extend your runway on the new purchase, but they won't give you the lump-sum equity access a bridge provides.
Los Banos is a growing Central Valley corridor. Move-up buyers are active here, and timing two transactions is genuinely tricky.
Agricultural and rural properties in Merced County can take longer to sell. A bridge loan buys you that time without stalling your purchase.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months for complex situations.
No. The whole point is to buy first. Your existing home just needs enough equity to secure the loan.
You'll need to refinance or extend the bridge. That's why lenders scrutinize your exit strategy upfront.
Yes, but lender options narrow for rural or agricultural land. We shop across lenders to find programs that fit.
A HELOC is a credit line on your current home. A bridge loan is a short-term purchase loan funded by your equity.
Yes. Bridge loans are Non-QM, so full tax return income isn't required. Equity and exit plan drive approval.