Loading
Loading
Fairfield sits between Sacramento and the Bay Area. That corridor moves fast, and sellers rarely wait for your escrow to close.
A bridge loan gives you buying power now. You tap your current home's equity before it sells.
6–12 Months
Typical Loan Term
20–30% Typical
Equity Required
Interest-Only Common
Rate Type
Non-QM / Private
Loan Category
10–15 Business Days
Est. Close Time
Bridge Loans in Fairfield
Bridge loans are non-QM products. Lenders focus on your equity, not your debt-to-income ratio.
Most lenders want at least 20–30% equity in your current home. Strong credit helps, but the asset drives the decision.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Fairfield.
Fairfield sits between Sacramento and the Bay Area. That corridor moves fast, and sellers rarely wait for your escrow to close.
A bridge loan gives you buying power now. You tap your current home's equity before it sells.
Bridge loans are non-QM products. Lenders focus on your equity, not your debt-to-income ratio.
Big banks rarely offer bridge loans. Most are funded by private lenders and specialty wholesale shops.
We work with 200+ wholesale lenders at SRK CAPITAL. Several specialize in short-term bridge products for Northern California borrowers.
The biggest mistake I see: borrowers wait too long. They find the right house, then scramble to structure a bridge.
Get pre-approved for the bridge before you write an offer. Sellers in Fairfield won't hold for a contingency.
A HELOC (home equity line of credit) is cheaper — but it takes 30–45 days and requires income docs. Bridge loans close faster.
Hard money loans are similar but often carry higher rates and fees. Bridge products from specialty lenders are usually cleaner for residential transitions.
Fairfield has a mix of military families near Travis AFB and Bay Area commuters. Both groups often need to move on tight timelines.
Properties here can move quickly in spring and summer. A bridge loan keeps you competitive without a sale contingency dragging your offer down.
Most bridge loans run 6 to 12 months. That gives you time to sell your current home and pay off the bridge.
No. That's the point. You qualify based on equity in your current home, then sell it during the bridge term.
Talk to your broker before that happens. Extensions exist, but they cost money. Plan your exit before you close.
Different, not necessarily harder. Lenders skip the income stress test. Equity and exit strategy carry the most weight.
Yes. Bridge loans work for both primary residences and investment properties. Investor deals may see different rate structures.
Faster than most traditional loans — sometimes in 10 to 15 business days. Speed depends on the lender and your documentation.