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Dixon sits at a competitive crossroads between Sacramento and the Bay Area. Homes move fast here, and waiting on your sale before buying can cost you the deal.
Bridge loans give Dixon buyers the cash to act now. You tap your current home's equity and close on the new one without waiting.
6 – 12 Months
Typical Loan Term
~20% of Home Value
Min Equity Required
Non-QM
Loan Type
10 – 15 Days
Estimated Close Time
Interest-Only
Payment Structure
Bridge Loans in Dixon
Bridge loans are non-QM products. Lenders care less about W-2 income and more about your equity position and exit strategy.
Most lenders want at least 20% equity in your departure 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 Dixon.
Dixon sits at a competitive crossroads between Sacramento and the Bay Area. Homes move fast here, and waiting on your sale before buying can cost you the deal.
Bridge loans give Dixon buyers the cash to act now. You tap your current home's equity and close on the new one without waiting.
Bridge loans are non-QM products. Lenders care less about W-2 income and more about your equity position and exit strategy.
Big retail banks rarely offer bridge loans. This product lives in the wholesale and private lending space.
At SRK CAPITAL, we shop bridge programs across 200+ wholesale lenders. That reach matters when terms vary this much lender to lender.
The biggest mistake Dixon borrowers make: assuming their bridge loan closes like a conventional loan. These are faster but need clean title and a solid exit plan.
Your bridge lender will underwrite your current home's value. Get a realistic read on what it sells for before you borrow against it.
Hard money loans overlap with bridge financing but carry higher rates and fees. Bridge loans from wholesale lenders often price better for qualified borrowers.
A HELOC is slower and requires your current home to stay unlisted. Bridge loans work even when your house is already on the market.
Dixon's Solano County location draws buyers priced out of the Bay Area. That demand puts pressure on local inventory and shortens decision windows.
If you find the right Dixon property, a contingent offer often loses. A bridge loan removes the contingency and puts you in a stronger position.
Most bridge loans run 6 to 12 months. That window covers listing, selling, and paying off the bridge.
No — that's the point. Your current home can be listed or unlisted when you apply.
You'd need to refinance or extend the bridge. Lenders may offer extensions, but plan your exit before you borrow.
Yes. Bridge loans are short-term and non-QM, so rates run higher. Rates vary by borrower profile and market conditions.
Yes. Investors use bridge loans to move quickly on deals. The exit strategy — sale or refinance into a long-term loan — is key.
Most lenders require at least 20% equity. Higher equity means better terms and more borrowing flexibility.