Loading
Loading
Windsor moves fast. When the right home hits the market, you rarely have time to wait for your current home to sell.
A bridge loan gives you short-term cash to close on the new property. You repay it once your existing home sells.
6–12 Months
Typical Loan Term
20%+ in Current Home
Equity Required
Non-QM
Loan Classification
Usually Interest-Only
Rate Type
Bridge Loans in Windsor
Bridge loans are non-QM products. Lenders look at equity in your current home, not just your debt-to-income ratio.
Most lenders want at least 20% equity in your departing home. Strong credit helps, but income documentation rules are more flexible.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Windsor.
Windsor moves fast. When the right home hits the market, you rarely have time to wait for your current home to sell.
A bridge loan gives you short-term cash to close on the new property. You repay it once your existing home sells.
Bridge loans are non-QM products. Lenders look at equity in your current home, not just your debt-to-income ratio.
Big retail banks rarely offer bridge loans. This product lives in the wholesale and private lending space.
We work with 200+ wholesale lenders. Several specialize in short-term bridge financing for Sonoma County borrowers.
The biggest mistake borrowers make: waiting too long to ask about bridge financing. By then, they've already lost the home.
Get pre-approved for the bridge loan before you start shopping. Know your numbers — what you can borrow and what it costs.
Hard money loans are similar but typically come with higher rates and shorter terms. Bridge loans from wholesale lenders often price better.
Interest-only loans stretch your monthly budget but don't solve the timing gap. A bridge loan does one thing — buys you time to sell.
Sonoma County's wine country market draws buyers from the Bay Area. Competition is real, and contingent offers often lose.
In Windsor specifically, inventory stays tight. Sellers don't love contingencies. A bridge loan lets you make a clean, non-contingent offer.
Most bridge loans run 6 to 12 months. Some lenders offer up to 24 months depending on your situation.
No — that's the point. The bridge loan covers your new purchase while your current home is still on the market.
You'll need a plan. Some lenders allow extensions. Others may require refinancing into a longer-term product.
Yes. Bridge loans carry higher rates than conventional mortgages. Rates vary by borrower profile and market conditions.
Yes. Bridge loans work for investment properties too. Lender requirements will differ from owner-occupied scenarios.
Yes. We work with wholesale lenders who specialize in bridge financing across Sonoma County. Call us to review your options.