Loading
Sonoma County moves fast. Waiting to sell before you buy often means losing the house you want.
A bridge loan gives you short-term cash to close on the new property. You repay it once your current home sells.
6–12 Months
Typical Loan Term
Home Equity
Qualification Driver
Higher Than Conv.
Rate Type
Non-QM
Loan Category
10–15 Days
Est. Close Time
Bridge Loans in Rohnert Park
Bridge loans are non-QM products. That means lenders aren't following standard agency rules.
Equity in your current home drives approval. Most lenders want at least 20–30% equity to work with.
Most banks don't offer bridge loans. You need a wholesale lender or private capital source.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in short-term bridge products for Sonoma County buyers.
The deals I see fail on bridge loans usually share one flaw: no clear exit. Lenders want to know exactly how and when you're paying them back.
Have your listing timeline ready before you apply. A home already listed sells faster — and that makes your bridge approval cleaner.
Hard money loans and bridge loans overlap, but they're not the same. Hard money is often for distressed assets or flips. Bridge loans target move-up buyers with equity.
Interest-only loans carry similar payment structures but are long-term. A bridge loan is purpose-built for a short window — usually under a year.
Rohnert Park sits in a corridor where homes move quickly. Sellers in this area often won't wait for a buyer with a contingency.
A bridge loan lets you write a clean, non-contingent offer. In Sonoma County's competitive pockets, that matters.
Most bridge loans run 6 to 12 months. Some lenders extend to 18 months if your property hasn't sold.
No. The whole point is buying before you sell. Your existing equity secures the loan.
Yes. Bridge loans carry higher rates than conventional financing. Rates vary by borrower profile and market conditions.
Yes. The departing property doesn't need to be local. Lenders care about equity and your exit plan.
There's no universal minimum — it's non-QM. Equity position and exit strategy carry more weight than credit score alone.
Faster than conventional — sometimes 10 to 15 days. Speed depends on the lender and how ready your docs are.