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Escalon's tight San Joaquin County market doesn't wait. If you find the right property, you need to move fast — not after your current home sells.
Bridge loans exist for exactly this situation. Short-term financing covers the gap between your purchase and your sale.
6–12 Months
Typical Loan Term
20–30% Min
Equity Required
Interest-Only
Rate Type
Non-QM
Loan Category
Bridge Loans in Escalon
Bridge loans are non-QM products. Lenders aren't using standard debt-to-income guidelines — equity and exit strategy matter most.
Most lenders want at least 20–30% equity in your departing property. Strong credit helps, but the deal structure drives approval.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Escalon.
Escalon's tight San Joaquin County market doesn't wait. If you find the right property, you need to move fast — not after your current home sells.
Bridge loans exist for exactly this situation. Short-term financing covers the gap between your purchase and your sale.
Bridge loans are non-QM products. Lenders aren't using standard debt-to-income guidelines — equity and exit strategy matter most.
Your bank won't do this loan. Bridge lending lives in the wholesale and private lending space — that's where we work.
We have access to 200+ wholesale lenders, including specialists in short-term bridge products for California buyers.
The biggest mistake I see: buyers wait too long to set up the bridge. By the time they want to move, they've already lost the deal.
Get pre-approved for the bridge before you're in contract. Knowing your numbers lets you write a clean offer without a sale contingency.
Hard money loans are the closest alternative. They're faster but usually more expensive and shorter in term.
A HELOC on your current home is cheaper — but banks often freeze HELOCs once you list the property. Bridge loans don't have that problem.
Escalon is a small market. Inventory moves quickly and multiple-offer situations happen — even here in the Central Valley.
San Joaquin County sellers often prefer clean offers. A bridge loan lets you compete without tying your purchase to your sale timeline.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your property takes longer to sell.
No. That's the point. You qualify based on equity in your current property, not on a completed sale.
Talk to your lender early — most can extend or refinance into a longer-term product. Plan your exit before you close.
Yes. Bridge loans carry higher rates than conventional financing. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work for both owner-occupied and investment purchases. Investor bridge deals are common in San Joaquin County.