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Lathrop sits in San Joaquin County, one of the Central Valley's faster-moving corridors. Timing a sale and purchase simultaneously here is genuinely hard.
A bridge loan gives you short-term cash to close on your next property. You're not stuck waiting for escrow to close on your current home.
6–12 months
Typical Loan Term
20–30% min
Equity Needed
Non-QM
Loan Type
7–21 days
Est. Close Time
Equity + Exit Plan
Key Factor
Bridge Loans in Lathrop
Bridge loans are non-QM products. Lenders care most about equity in your existing property and your exit strategy.
Most lenders want at least 20-30% equity in your current home. Strong credit helps, but asset position matters more here.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Lathrop.
Lathrop sits in San Joaquin County, one of the Central Valley's faster-moving corridors. Timing a sale and purchase simultaneously here is genuinely hard.
A bridge loan gives you short-term cash to close on your next property. You're not stuck waiting for escrow to close on your current home.
Bridge loans are non-QM products. Lenders care most about equity in your existing property and your exit strategy.
Banks rarely offer bridge loans. This is a wholesale and private lender space almost entirely.
Rates run higher than conventional — that's the cost of speed and flexibility. Rates vary by borrower profile and market conditions.
The borrowers I see fumble bridge loans are the ones without a clean exit. Know exactly how you're paying this off — sale proceeds or a refi.
As of April 2026, we're shopping these across 200+ wholesale lenders. One lender's bridge program can look nothing like another's on fees and terms.
Hard money loans are the closest alternative. They're faster to close but typically carry even higher rates and fees.
A HELOC (home equity line of credit) is cheaper, but most banks will freeze it once your home hits the market. Bridge loans don't have that problem.
Lathrop has seen steady growth from commuters and logistics industry workers. Move-up demand is real here, and sellers often need to act fast on new listings.
San Joaquin County's inventory shifts quickly. A bridge loan means you can make a clean, non-contingent offer — a significant edge over other buyers.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months depending on the deal structure.
No — that's the point. A bridge loan funds your purchase now. You sell your current home during the loan term.
Requirements vary by lender. Equity and exit strategy carry more weight than your credit score with most bridge lenders.
Some borrowers do. Lenders will evaluate your total debt load and reserves. Asset strength is critical here.
Private bridge lenders can close in as little as 7-10 days. Wholesale lenders typically take 2-3 weeks.
Yes. Investors use them often for fix-and-flip or timing between acquisitions. Terms will differ from owner-occupied bridges.