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Grass Valley moves fast for a foothill town. Sellers get offers quickly, and buyers who haven't sold yet get left behind.
A bridge loan solves that. You buy the new property now and pay it off when your existing home sells.
6–12 Months
Typical Loan Term
20–30% Min
Equity Required
Non-QM
Loan Type
10–15 Bus. Days
Est. Close Time
Case-by-Case
Credit Flexibility
Bridge Loans in Grass Valley
Bridge loans are non-QM products. Lenders care more about your equity than your pay stubs.
You typically need 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 Grass Valley.
Grass Valley moves fast for a foothill town. Sellers get offers quickly, and buyers who haven't sold yet get left behind.
A bridge loan solves that. You buy the new property now and pay it off when your existing home sells.
Bridge loans are non-QM products. Lenders care more about your equity than your pay stubs.
Most banks won't touch bridge loans. This product lives in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the bridge product that fits your timeline and equity position.
The deals I see fall apart when buyers wait too long. They find the right Grass Valley home, then lose it over a sale contingency.
Bridge loans remove that contingency. You close clean, then sell your old home on your own timeline.
Hard money loans are similar but usually carry higher rates and fees. Bridge loans from wholesale lenders are often the cleaner option.
Interest-only loans are long-term tools. Bridge loans are short-term — you're not holding this for 30 years.
Grass Valley draws buyers from the Bay Area. Competition is real, especially for move-in-ready homes on acreage.
Many local sellers are also buying. A bridge loan lets you compete like a non-contingent buyer in a market full of them.
Most bridge loans run 6 to 12 months. That gives you time to sell your current home without rushing.
No. That's the point. You qualify based on equity in your current home, not the sale proceeds.
They're different, not harder. Lenders focus on equity and exit strategy rather than debt-to-income ratios.
Yes, but acreage and rural properties affect lender appetite. Not every lender will lend on all property types.
You'll need a clear exit plan before funding. Options include extensions, refinancing, or selling at a discount.
Faster than conventional — often 10 to 15 business days. Speed depends on your lender and documentation.