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Manteca moves fast. When a good property hits the market, waiting on your current home to sell can cost you the deal.
A bridge loan gives you short-term cash to close on the new property now. You repay it once your existing home sells.
6 – 12 Months
Typical Loan Term
20%+ in Current Home
Equity Needed
Higher Than Conventional
Rate Type
Non-QM / Private
Loan Category
10 – 15 Business Days
Typical Close Time
Bridge Loans in Manteca
Bridge loans are asset-based. Lenders care more about your equity than your pay stubs.
You typically need strong equity in your current home — usually 20% or more. Credit matters, but it's not the whole story.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Manteca.
Manteca moves fast. When a good property hits the market, waiting on your current home to sell can cost you the deal.
A bridge loan gives you short-term cash to close on the new property now. You repay it once your existing home sells.
Bridge loans are asset-based. Lenders care more about your equity than your pay stubs.
Big banks rarely offer bridge loans. This is a specialty product that lives in the private and non-QM lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders — many of whom specialize in short-term financing like this.
The borrowers who need bridge loans most are often the ones most confused by them. Know what you're signing up for.
Rates run higher than conventional. That's the cost of flexibility and speed. Most borrowers pay it off in under a year.
A Home Equity Line of Credit (HELOC) is cheaper, but slower to set up. If you need to close in weeks, a HELOC often won't cut it.
Hard money loans are similar but usually shorter term and higher cost. Bridge loans offer a middle ground for transitional buyers.
Manteca sits in San Joaquin County, where commuter demand keeps the market competitive. Sellers don't wait for buyers to get their finances sorted.
Many Manteca homeowners have built meaningful equity over the past several years. That equity is what makes a bridge loan possible.
Most bridge loans run 6 to 12 months. That gives you time to sell your existing home and pay off the loan.
No. The whole point is to buy before you sell. Lenders just want to see enough equity and a realistic exit plan.
Requirements vary by lender. Equity and exit strategy matter more than credit score for most bridge loan programs.
Yes. Bridge loans work for primary residences and investment properties. Terms may differ between the two.
Faster than conventional — often 10 to 15 business days. Speed depends on the lender and how quickly you provide documents.
Talk to your broker before that happens. Some lenders offer extensions. Having a clear sale plan upfront avoids this situation.