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Petaluma's housing market moves fast. Waiting to sell before you buy often means losing the property you want.
A bridge loan gives you short-term cash to close on your next home. Your existing equity does the heavy lifting.
6–12 Months
Typical Loan Term
Non-QM
Loan Type
200+ Wholesale
Lender Access
Varies by Profile
Rate Type
Bridge Loans in Petaluma
Bridge loans are Non-QM products. That means lenders don't follow standard agency guidelines.
Most lenders want solid equity in your current home — usually 20% or more. Credit and income still matter, 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 Petaluma.
Petaluma's housing market moves fast. Waiting to sell before you buy often means losing the property you want.
A bridge loan gives you short-term cash to close on your next home. Your existing equity does the heavy lifting.
Bridge loans are Non-QM products. That means lenders don't follow standard agency guidelines.
Your local bank almost certainly won't offer a bridge loan. These come from private lenders and specialty wholesale channels.
At SRK CAPITAL, we work with 200+ wholesale lenders. That reach matters a lot for a niche product like this.
The biggest mistake I see: borrowers underestimate how fast they need to sell. A bridge loan has a hard payoff date.
Price your current home to move. A bridge tied to a stale listing is a cash drain — and lenders won't extend forever.
Hard money loans are the closest alternative. They're also asset-based, but often carry higher rates and shorter terms.
An interest-only loan on your new purchase is another option — lower monthly pressure while your old home sells.
Petaluma attracts buyers moving up from the Bay Area. Many own equity-rich homes and need bridge financing to compete.
Sonoma County properties can sit longer than South Bay homes. Factor that realistic timeline into your bridge loan term.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months depending on the deal.
No. The bridge loan is designed for that overlap period. You close on the new home first, then sell.
There's no universal minimum — it's Non-QM. Lenders focus more on equity and your exit strategy.
Yes, significantly. These are short-term private loans. Rates vary by borrower profile and market conditions.
Yes. Investors use bridge loans frequently — especially when timing a 1031 exchange or a fast acquisition.
You'll need to refinance or pay off the bridge. This is why lenders push hard on your exit strategy upfront.