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Napa moves fast. Desirable properties get offers quickly, and waiting to sell first can cost you the deal.
A bridge loan gives you short-term cash to close on a new property. You repay it once your current home sells.
6–12 Months
Typical Loan Term
Equity & Exit Plan
Approval Focus
Higher than Conv.
Rate Type
Interest-Only
Payment Structure
Non-QM
Loan Category
Bridge Loans in Napa
Bridge loans are asset-based. Lenders care more about your equity than your W-2. Strong equity in your current home is the main qualifier.
Most lenders want at least 20–30% equity in the departing property. Credit still matters, but it's not the lead factor here.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Napa.
Napa moves fast. Desirable properties get offers quickly, and waiting to sell first can cost you the deal.
A bridge loan gives you short-term cash to close on a new property. You repay it once your current home sells.
Bridge loans are asset-based. Lenders care more about your equity than your W-2. Strong equity in your current home is the main qualifier.
Banks rarely offer bridge loans anymore. This product lives in the non-QM and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. That range matters — bridge loan terms vary widely across lenders.
The biggest mistake I see? Borrowers underestimate bridge loan costs. These carry higher rates than conventional loans. Rates vary by borrower profile and market conditions.
Your exit strategy has to be airtight. Lenders want to see a listing agreement, a sale in escrow, or a solid refinance plan.
Hard money loans are close cousins to bridge loans. Both are short-term and asset-based. Bridge loans typically have softer terms and are designed for owner-occupied transitions.
A HELOC could work if you have time. But HELOCs take weeks to close and depend on your current lender. Bridge loans close faster and don't touch your existing mortgage.
Napa wine country properties can be complex. Agricultural land, vineyard estates, and mixed-use parcels all affect how lenders value your collateral.
As of April 2026, Napa remains a high-demand market. Sellers do well here — which actually helps your bridge loan exit. A clean listing can move quickly.
Most run 6 to 12 months. Some lenders extend to 24 months. Your exit timeline drives the term you need.
Yes, but fewer lenders handle ag or mixed-use collateral. You need a broker who can find the right one.
Most are interest-only during the term. Some lenders allow deferred payments until the property sells.
There's no universal minimum. Lenders prioritize equity and exit strategy over credit score.
Faster than conventional — often 10 to 15 business days. Speed depends on the lender and your documentation.
You'll need to refinance or extend the bridge loan. Discuss contingency plans with your broker before you close.