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San Juan Bautista moves at its own pace. When the right property shows up, you can't always wait for your current home to sell first.
A bridge loan covers your next purchase now. You repay it once your existing property closes — no contingency, no missed opportunity.
6–12 Months
Typical Loan Term
20–30%
Min Equity Required
Non-QM
Loan Classification
Short-Term / Higher
Rate Type
Property Sale
Repayment Trigger
Bridge Loans in San Juan Bautista
Bridge loans are non-QM products. Lenders care more about your equity position and exit strategy than your debt-to-income ratio.
Most lenders want at least 20–30% equity in your current 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 San Juan Bautista.
San Juan Bautista moves at its own pace. When the right property shows up, you can't always wait for your current home to sell first.
A bridge loan covers your next purchase now. You repay it once your existing property closes — no contingency, no missed opportunity.
Bridge loans are non-QM products. Lenders care more about your equity position and exit strategy than your debt-to-income ratio.
Most retail banks don't offer bridge loans. You need a wholesale or private lender — and not every broker has access to those.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in short-term bridge products for California borrowers.
The deals that fall apart on bridge loans usually have one problem: a weak exit. Know your sale timeline before you commit.
We've seen borrowers extend bridge terms when a sale drags out. Build in buffer — price your departing home to sell fast.
Hard money loans and bridge loans overlap, but they're not identical. Bridge loans are specifically built around your property sale timeline.
A HELOC could work if you have time. Bridge loans are for when you need to act now and can't wait on a line of credit approval.
San Juan Bautista is a small town in San Benito County. Listings are limited, and when something good hits the market, it moves.
That timing pressure is exactly where bridge loans earn their keep. A contingency offer here often loses to a clean offer.
Most bridge loans run 6 to 12 months. Some lenders offer extensions if your property hasn't sold yet — expect added fees.
No. That's the point. You buy the new property now and repay the bridge loan when your current home sells.
Yes, meaningfully higher. These are short-term private products. Rates vary by borrower profile and market conditions.
Yes. Lender appetite varies, but rural and semi-rural properties in San Benito County are eligible with the right lender match.
Your departing property taking longer to sell than expected. That's why your exit strategy and listing price matter most.
Yes. We have access to 200+ wholesale lenders including private bridge specialists. We match you to the best fit, not just one option.