Wine Country bridge loans.

The towns listed above are where we work most often, not a limit, and they run across Napa and Sonoma from Calistoga and St. Helena to Healdsburg, Sonoma and Sebastopol. If yours is not listed, ask.

Typically 65 to 70 percent measured across both properties, less what you still owe. On acreage the property review matters more than usual, so the figure is confirmed rather than quoted. The buying power qualifier works it out in about ninety seconds and asks for no contact details until after you have seen the number.

No. Acreage, outbuildings, agricultural use and unusual comparables all make a conventional appraisal harder, and none of them make the property less valuable. They do make a bank slower, which is usually why people call us.

Usually, because the complication here is the property rather than the borrower. Private capital assesses the asset directly, and approvals can be issued in less than 24 hours in many cases once the property review is complete.

Because the properties are the kind conventional lenders find complicated. When the asset is assessed directly rather than squeezed into a standard appraisal box, a file that stalls elsewhere becomes straightforward.