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Rocklin moves fast. Sellers here rarely wait for contingent buyers when cleaner offers exist.
A bridge loan lets you tap your current home's equity and buy without a sale contingency. That changes what sellers see when they look at your offer.
6–12 Months
Typical Loan Term
20%+ in Departing Home
Equity Required
Non-QM
Loan Type
Often Interest-Only
Rate Type
Bridge Loans in Rocklin
Bridge loans are non-QM products. Lenders care more about equity than income ratios.
Most lenders want at least 20% equity in your departing home. Strong credit helps, but the deal structure matters more.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Rocklin.
Rocklin moves fast. Sellers here rarely wait for contingent buyers when cleaner offers exist.
A bridge loan lets you tap your current home's equity and buy without a sale contingency. That changes what sellers see when they look at your offer.
Bridge loans are non-QM products. Lenders care more about equity than income ratios.
Banks rarely offer bridge loans. This is private lender and wholesale territory.
At SRK CAPITAL, we shop bridge programs across 200+ wholesale lenders. Rates and terms vary significantly — structure matters as much as rate.
The biggest mistake I see: borrowers underestimate carrying costs. You may hold two properties for months.
Build your exit strategy before you close. Know your sale timeline, your backup plan, and your break-even point on the new purchase.
Hard money loans are close cousins to bridge loans. Hard money is often faster but carries higher rates and fees.
Interest-only loans can reduce monthly pressure on the new property — some bridge programs are structured exactly that way.
Rocklin sits in Placer County, where move-up buyers are common. Families upgrading from smaller homes use bridge loans regularly.
The Sacramento region's demand means homes sell — but timelines aren't guaranteed. Price your departing home right and your bridge term becomes manageable.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if the deal supports it.
No — that's the point. You apply while still owning your current home. The loan bridges the gap.
There's no hard floor like conventional loans. Equity position and exit strategy carry more weight than your score.
Yes. The departing property doesn't need to be in Rocklin or even California. Lenders care about the equity and exit plan.
Many are. Interest-only payments keep monthly costs lower during the transition period. Ask your lender how the program is structured.
You'll need to refinance or extend the bridge term. Plan your exit before you close — don't rely on a best-case timeline.