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Vacaville sits between Sacramento and the Bay Area. That position makes it attractive to buyers relocating from both directions.
When you're buying in Vacaville but haven't sold yet, a bridge loan covers the gap. It's short-term financing — typically 6 to 12 months.
6–12 Months
Typical Loan Term
20%+ in Current Home
Equity Usually Required
Non-QM
Loan Type
10–15 Days
Typical Close Time
Bridge Loans in Vacaville
Bridge loans are non-QM products. Lenders focus on equity in your current home, not just your debt-to-income ratio.
Most lenders want at least 20% equity in your departing property. Strong credit helps, but the collateral is the main factor.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Vacaville.
Vacaville sits between Sacramento and the Bay Area. That position makes it attractive to buyers relocating from both directions.
When you're buying in Vacaville but haven't sold yet, a bridge loan covers the gap. It's short-term financing — typically 6 to 12 months.
Bridge loans are non-QM products. Lenders focus on equity in your current home, not just your debt-to-income ratio.
Big banks rarely offer bridge loans anymore. This product lives in the wholesale and private lending space.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find bridge programs that fit your timeline and equity position.
The biggest mistake I see: buyers wait too long to explore bridge financing. Get pre-approved before you're in a time crunch.
Bridge loans close fast — sometimes in 10 to 15 days. That speed matters when you're competing for a Vacaville home.
Hard money loans are the closest alternative. Both are short-term and asset-based, but bridge loans typically carry lower rates.
A HELOC on your current home is another option — if you have time to set one up before listing it for sale.
Vacaville's I-80 corridor draws buyers from pricier Bay Area cities. Many already own a home and need to move fast.
Solano County inventory can move quickly. A bridge loan lets you make a clean, non-contingent offer — that's a real edge.
Most bridge loans run 6 to 12 months. That gives you time to sell your current home and pay off the bridge.
Yes. That's the primary reason buyers use them. It removes the sale contingency and makes your offer cleaner.
You'll need to repay or refinance the bridge loan. Have a backup plan before you close on the new purchase.
Yes, they are. Bridge loans are short-term and asset-based, so rates run higher. Rates vary by borrower profile and market conditions.
Some lenders require it, others don't. Non-QM bridge programs often use equity and exit strategy instead of full income qualification.