Question 1

How long does a bridge loan last in Livermore?

Accepted Answer

Most bridge loans run 6 to 12 months. That gives you time to close on your new home and sell your current one.

Question 2

What credit score do I need for a bridge loan?

Accepted Answer

Most lenders want 680 or higher. Strong equity in your current home can offset a lower score with some programs.

Question 3

Can I use a bridge loan if my home isn't listed yet?

Accepted Answer

Yes. Many lenders approve bridge loans before you list. They underwrite based on your equity, not your sale timeline.

Question 4

Do I make payments on both loans at once?

Accepted Answer

Yes — temporarily. Bridge loans are typically interest-only, which keeps the payment manageable during the overlap period.

Question 5

How fast can a bridge loan close in Livermore?

Accepted Answer

Faster than conventional — often 10 to 15 business days. Speed depends on your lender and how quickly docs come in.

Bridge Loans in Livermore, CA — Buy Before You Sell