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American Canyon sits at Napa County's southern edge. Homes here move fast, and timing gaps between buying and selling are common.
A bridge loan covers your new purchase before your old home sells. It buys you days or weeks — not years.
6–12 months
Typical Loan Term
20–30% in current home
Equity Required
Non-QM — equity driven
Credit Flexibility
Non-QM / Short-Term
Loan Type
10–15 business days
Est. Close Time
Bridge Loans in American Canyon
Bridge loans are non-QM products. Lenders focus on equity and asset strength, not just your W-2.
Most lenders want 20–30% equity in your departing home. Strong credit helps, but it's not the only factor.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in American Canyon.
American Canyon sits at Napa County's southern edge. Homes here move fast, and timing gaps between buying and selling are common.
A bridge loan covers your new purchase before your old home sells. It buys you days or weeks — not years.
Bridge loans are non-QM products. Lenders focus on equity and asset strength, not just your W-2.
Big retail banks rarely offer bridge loans. This product lives in the wholesale and private lending world.
At SRK CAPITAL, we pull from 200+ wholesale lenders. That means real options, not just one bank's program.
The deals I see fall apart on timing, not price. A bridge loan solves that problem directly.
Don't wait until your current home is listed. Get pre-approved for the bridge first. That's how you move fast.
A home sale contingency weakens your offer. Sellers in Napa County know it — and they'll take the cleaner bid.
Hard money loans are faster but more expensive. Bridge loans from wholesale lenders offer better rates with similar speed.
American Canyon attracts Napa Valley buyers priced out of the deeper wine country. Demand is steady and inventory is tight.
That pressure means sellers don't wait for contingent buyers. A bridge loan lets you compete like a non-contingent buyer.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if you have strong equity and a credible exit plan.
No. You need equity in your current home, not a signed sale. The loan is secured against that property.
Your lender will want a clear exit strategy before funding. Some allow extensions — discuss this upfront before you close.
They're different, not necessarily harder. Equity and asset strength matter more than debt-to-income ratios here.
Yes. Bridge loans work for investment purchases too. Lender terms will vary based on property type and your exit strategy.
Some wholesale lenders close bridge loans in 10–15 business days. Speed depends on documentation and appraisal turnaround.