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Camarillo moves fast. When a property hits the market, hesitating costs you the deal.
A bridge loan lets you act on a new purchase now. You repay it once your current home sells.
6–12 Months
Typical Loan Term
20–30% Min
Equity Required
Interest-Only
Payment Structure
Non-QM
Loan Category
Bridge Loans in Camarillo
Bridge loans are asset-based. Lenders care more about equity in your current property than your W-2.
Most lenders want at least 20–30% equity in the departing home. Strong credit helps, but it's not the only factor.
Local decision guide
Use this guide to connect bridge loans eligibility, lender expectations, and local market factors before comparing payment options in Camarillo.
Camarillo moves fast. When a property hits the market, hesitating costs you the deal.
A bridge loan lets you act on a new purchase now. You repay it once your current home sells.
Bridge loans are asset-based. Lenders care more about equity in your current property than your W-2.
Your bank won't offer this. Bridge loans live in the non-QM and private lending space.
We work with 200+ wholesale lenders. That gives us real options — not just one bank's terms.
The deals I've seen fall apart aren't from bad credit. They're from timing — sellers won't wait for your sale to close.
A bridge loan removes that contingency. It changes your offer from conditional to clean, and that matters in Ventura County.
A HELOC is cheaper, but it requires your current home to not be listed. Once it's for sale, most lenders freeze HELOC access.
Hard money is similar but typically more expensive. Bridge loans from non-QM lenders usually come with better structure.
Camarillo sits between Oxnard and Thousand Oaks. Buyers here often upgrade within Ventura County — that's exactly when a bridge loan earns its cost.
Ventura County's mix of move-up buyers and retirees downsizing makes timing mismatches common. A bridge loan solves that gap cleanly.
Most bridge loans run 6 to 12 months. Some lenders extend to 24 months depending on your exit strategy.
Many bridge loans are interest-only or deferred. You're not making a full principal and interest payment every month.
Yes. That's actually the most common use case. A listed home can still secure a bridge loan based on its equity.
You'll need an exit plan — refinance or extension. Lenders want to see that plan upfront before approving the loan.
They're similar but not identical. Bridge loans through non-QM lenders typically have better rates and more structured terms.
Most lenders want 20–30% equity in your departing property. Higher equity gives you more borrowing room and better terms.