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Turlock's Central Valley market moves fast. Waiting to sell before you buy can cost you the property you want.
A bridge loan gives you buying power now. You tap your current home's equity before the sale closes.
6–12 months
Typical Loan Term
20–30% min
Equity Required
Non-QM — case by case
Credit Flexibility
10–15 business days
Est. Close Time
Non-QM
Loan Classification
Bridge Loans in Turlock
Bridge loans are non-QM products. Lenders focus on your equity position, not just your debt-to-income ratio.
Most lenders want at least 20–30% equity in your departure property. Strong credit helps, 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 Turlock.
Turlock's Central Valley market moves fast. Waiting to sell before you buy can cost you the property you want.
A bridge loan gives you buying power now. You tap your current home's equity before the sale closes.
Bridge loans are non-QM products. Lenders focus on your equity position, not just your debt-to-income ratio.
Retail banks rarely offer bridge loans. You need a broker with access to private and non-QM wholesale lenders.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the bridge program that fits your timeline and equity.
The biggest mistake I see: borrowers wait too long and miss the window. Bridge loans need time to underwrite.
Have a clear exit strategy before you apply. Lenders want to know exactly how you're paying this loan off.
Hard money loans are faster but more expensive. Bridge loans typically offer better rates when your equity is strong.
Interest-only loans stretch payments out long-term. A bridge loan is purpose-built for a short, defined window.
Turlock sits in Stanislaus County, where agricultural land and residential properties both see bridge loan demand.
Move-up buyers in Turlock often face the same problem: found the next house, haven't sold the current one. That's exactly what bridge financing solves.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your exit strategy is solid.
Some non-QM lenders will bridge ag-adjacent residential properties. It depends on the lender and property type.
With a bridge loan, lenders often use your departure property's equity to reduce that burden. Structure varies by lender.
There's no universal minimum. Lenders care more about equity and your plan to repay than your credit score alone.
Experienced non-QM lenders can close in 10–15 business days. Start early — don't wait until you're under contract.
That's the key risk. Discuss extension options and fees with your lender before you sign. Have a backup plan ready.