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San Juan Capistrano moves fast. Sellers here rarely wait for your old home to close before accepting another offer.
A bridge loan lets you buy first and sell second. You stop losing deals because your equity is tied up.
6–12 Months
Typical Loan Term
640+
Min Credit Score
20–30% of Home
Equity Required
Interest-Only
Rate Type
Non-QM
Loan Classification
Bridge Loans in San Juan Capistrano
Bridge loans are non-QM. Lenders care more about your equity and exit strategy than your debt-to-income ratio.
Most lenders want at least 20–30% equity in your departing property. Strong credit helps, but the asset does the heavy lifting.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in San Juan Capistrano.
San Juan Capistrano moves fast. Sellers here rarely wait for your old home to close before accepting another offer.
A bridge loan lets you buy first and sell second. You stop losing deals because your equity is tied up.
Bridge loans are non-QM. Lenders care more about your equity and exit strategy than your debt-to-income ratio.
Retail banks rarely offer bridge loans. Most are priced poorly and take too long to close when they do.
Wholesale lenders are where this product lives. We work with 200+ of them — finding the right one for your scenario matters.
The deal that kills most bridge loans is a weak exit plan. Lenders want to know exactly how you're paying them back.
List your departure property before closing on the new one. It shows lenders you're serious and shortens your carry time.
Hard money loans are the closest cousin. They're faster and looser, but the rates run higher and fees stack up.
If your timeline is flexible, a HELOC on your current home can work instead. But HELOCs close slowly and require income docs.
San Juan Capistrano has a mix of estate properties, equestrian lots, and older Spanish-style homes. Pricing varies widely by street.
That price variance matters. Lenders appraise your current home conservatively. Know your real equity number before you apply.
Most bridge loans run 6 to 12 months. Some lenders extend to 18 months if you have strong equity and a solid exit plan.
Most bridge loans are interest-only. Some lenders defer all payments until the loan is paid off at sale.
Yes, but lenders will underwrite more conservatively. Listing early shows intent and can improve your terms.
Most wholesale lenders want 640 or higher. Bridge loans are asset-based, so strong equity can offset a lower score.
Through the right wholesale lender, some bridge loans close in 10–15 business days. Speed depends on appraisal and title.
You'll need to refinance or request an extension. This is why a realistic sale timeline and list price matter upfront.