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Citrus Heights moves fast. Sellers won't wait while you're still listed.
A bridge loan lets you buy now and sell later. No contingency, no lost deals.
6–12 Months
Typical Loan Term
Equity-Based
Approval Focus
20%+ Typical
Equity Required
Non-QM
Loan Type
7–14 Days
Est. Close Time
Bridge Loans in Citrus Heights
Bridge loans are non-QM. That means no standard income ratios required.
Lenders focus on equity. You need strong equity in your departing home to qualify.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Citrus Heights.
Citrus Heights moves fast. Sellers won't wait while you're still listed.
A bridge loan lets you buy now and sell later. No contingency, no lost deals.
Bridge loans are non-QM. That means no standard income ratios required.
Big banks rarely do bridge loans. Most won't touch short-term non-QM paper.
Wholesale lenders and private capital fill that gap. That's where we work.
The biggest mistake I see: borrowers wait too long to start the bridge process.
Get approved before you make an offer. Sellers in Citrus Heights want certainty fast.
Hard money loans are similar but typically carry higher rates and fees.
A bridge loan is cleaner for owner-occupied moves. Hard money fits more distressed deals.
Sacramento County inventory tightens and loosens in cycles. Timing your sale matters.
Citrus Heights has a strong owner-occupant base. Move-up buyers here need bridge financing often.
Most bridge loans run 6 to 12 months. Some lenders offer up to 24 months if your exit plan supports it.
No. You qualify based on equity, not a completed sale. Your existing home serves as collateral.
Yes. Bridge loans work well for homeowners buying a new primary home before their current one sells.
Requirements vary by lender. Most private bridge lenders focus more on equity than credit score.
Private lenders can close in 7–14 days. Speed depends on title, appraisal, and your documentation.
Your exit strategy is critical. You may refinance into a longer-term loan if the sale is delayed.