Photo: Jennifer Rosdail Real Estate Team

Wine Country bridge loans.

Second homes, estates, and properties conventional lenders find complicated.

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Do you lend in Wine Country?

Yes. Napa and Sonoma properties often carry features that slow a conventional lender down, and that is usually why people call.

Acreage, outbuildings and unusual comparables make a conventional appraisal harder. None of them make the property less valuable.

Why you will need a bridge loan in Wine Country

Acreage, outbuildings, agricultural use and unusual comparables all make a conventional appraisal harder. None of them make the property less valuable, but they do make the timeline longer.

Private capital assesses the asset directly, which is why this market comes up more often than its size suggests.

The property itself is usually the complication, not the borrower.

A Sebastopol property with a pool, seen from above
Photo: Jennifer Rosdail Real Estate Team

Who we serve in Wine Country

Napa · St. Helena · Yountville · Calistoga · Sonoma · Healdsburg · Glen Ellen · Kenwood · Sebastopol · Petaluma

Not an exhaustive list. If your town is not here, ask.

How Our Wine Country Bridge Loans Work

FirstBuy FirstClose on the new home using the equity in the one you own. No sale contingency.
ThenMove OnceStraight from the old house into the new one. No rental, no storage unit.
ThenSell on Your TermsList the old home empty and staged. Repay the loan at close of escrow, or refinance the balance into a long-term mortgage.

Do Relationships Matter in Wine Country?

Twenty-five years of them Sofia has been lending in this market for more than two decades. The brokerages know her, and so do the agents on the other side of most of our transactions.
The listing agent knows our name Agents tell us the same thing: an offer backed by us gets taken seriously, because they have watched us close. In Wine Country that reputation belongs to our borrower as much as to us.
110 reviews, 5.0 stars Most of them written by the agent on the other side of the table, which is the harder audience to please.

People who bought first in Wine Country

★★★★★ “We rely on her for bridge loans, and she consistently delivers with speed, clarity, and true expertise. She makes a complex process feel simple, which is a gift in this market.”Nicole Evans · Google review

What this looked like in Wine Country

One of our recorded transaction from this part of California.

OccidentalWhen the new property is almost impossible to insureRead it →

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Questions from Wine Country

Which towns do you cover in Wine Country?

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.

How much can I borrow against a Wine Country property?

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.

Will acreage or outbuildings stop the loan?

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.

My bank has stalled on this property. Can you move faster?

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.

Why does Wine Country come up more often than its size suggests?

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.

Keep reading

How to buy before you sell: a complete roadmapCan I buy a new home before selling my current one?Rightsizing in retirement: a financial planning guide

Property photography: The House

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