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Modesto moves fast enough that waiting to sell first can cost you the next deal. Bridge loans let you act on a new purchase without being stuck waiting on your current sale.
Stanislaus County has a mix of move-up buyers and investors who need capital flexibility. A bridge loan gives you that flexibility without forcing a rushed sale.
6–12 Months
Typical Loan Term
Equity + Exit Plan
Underwriting Basis
Higher Than Conv.
Rate Type
Non-QM
Loan Category
10–15 Business Days
Est. Close Time
Bridge Loans in Modesto
Bridge loans are non-QM products. That means lenders underwrite them differently than conventional loans — asset value and exit strategy matter more than pay stubs.
Most lenders want solid equity in your departing property. Expect to need at least 20–30% equity to qualify. Your plan to repay the bridge — sale proceeds or a refinance — needs to be clear and credible.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Modesto.
Modesto moves fast enough that waiting to sell first can cost you the next deal. Bridge loans let you act on a new purchase without being stuck waiting on your current sale.
Stanislaus County has a mix of move-up buyers and investors who need capital flexibility. A bridge loan gives you that flexibility without forcing a rushed sale.
Bridge loans are non-QM products. That means lenders underwrite them differently than conventional loans — asset value and exit strategy matter more than pay stubs.
Big banks rarely touch bridge loans. This is wholesale and private lender territory. At SRK CAPITAL, we work with 200+ wholesale lenders who actively write bridge products.
Rates on bridge loans run higher than conventional financing. That's the cost of speed and flexibility. Rates vary by borrower profile and market conditions.
The deals I see go sideways are usually because someone underestimated their sell timeline. Build in more runway than you think you need.
Bridge loans close fast — sometimes in two weeks. That speed is the point. But have your property financials and equity documentation ready before you apply.
Hard money loans are the closest cousin to bridge loans. Hard money is often faster to close but carries even higher rates. Bridge loans from institutional wholesale lenders tend to price better.
A HELOC (home equity line of credit) on your departing property is a cheaper alternative — if you have time to set it up. Bridge loans win when speed is the priority.
Modesto buyers competing in desirable neighborhoods like Salida or east-side Modesto can't always afford a contingent offer. Bridge financing removes that contingency.
Stanislaus County has a strong base of long-term homeowners with significant equity. If you bought more than five years ago, you likely have enough equity to make a bridge loan work.
Most bridge loans run 6 to 12 months. Some lenders offer extensions, but you'll pay for them.
No — that's the point. The bridge loan uses your existing equity so you can buy before selling.
You'll need to refinance into a longer-term product or sell under pressure. Plan your exit before you close.
Yes. Investors use them frequently to move quickly on acquisitions. Lender terms differ from owner-occupied deals.
With documents ready, some wholesale lenders close in 10–15 business days. Speed depends on the lender and file complexity.
Yes, if you have sufficient equity. The lender will evaluate your combined debt load and your exit strategy.