Loading
Loading
Tracy sits at a crossroads — close enough to the Bay Area to attract buyers, but priced where move-up purchases happen fast.
When the right home hits the market, you often can't wait for your current sale to close. A bridge loan solves that timing problem.
6–12 Months
Typical Loan Term
620+
Min Credit Score
20–30% in Home
Equity Required
10–15 Business Days
Avg Close Time
Non-QM
Loan Classification
Bridge Loans in Tracy
Bridge loans are non-QM products. Lenders care more about equity in your current home than your debt-to-income ratio.
Most lenders want at least 20–30% equity in your departing home. Strong credit helps, but it's not the only factor.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Tracy.
Tracy sits at a crossroads — close enough to the Bay Area to attract buyers, but priced where move-up purchases happen fast.
When the right home hits the market, you often can't wait for your current sale to close. A bridge loan solves that timing problem.
Bridge loans are non-QM products. Lenders care more about equity in your current home than your debt-to-income ratio.
Your local bank won't touch most bridge loans. This is a wholesale and private lender product — exactly what SRK CAPITAL shops.
We have access to 200+ wholesale lenders. That means real options, not one template from one bank's product sheet.
The deals I see fall apart when buyers try to write contingent offers in a competitive market. Sellers don't love them.
A bridge loan lets you remove the sale contingency. That makes your offer cleaner and your negotiating position stronger.
Hard money loans are faster but more expensive. Bridge loans from wholesale lenders usually have better rates and terms.
Interest-only loans can help cash flow, but they don't solve the timing gap. Bridge loans are built for this specific situation.
Tracy's housing market moves. Homes that are priced right don't sit. If you need to sell first, you can miss the window.
San Joaquin County has a mix of move-up buyers and investors. Bridge loans work for both when the timing is tight.
Most bridge loans run 6 to 12 months. Some lenders in California extend to 24 months if the situation warrants it.
Not always. Some lenders approve based on equity and a clear plan to sell. Listed homes typically get better terms.
You'll need to pay off the bridge loan or refinance it. Plan your exit strategy before you close — this is critical.
Yes. Bridge loans work for primary residences, not just investment properties. Non-QM lenders handle both in San Joaquin County.
Yes, and that's the point. Bridge loan underwriting factors in both payments. Equity is what drives approval here.
Faster than conventional loans — often 10 to 15 business days. Speed depends on the lender and your documentation.