Question 1

How long does a bridge loan last in California?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your exit strategy supports it.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No. That's the point. You use equity from your current home to fund the new purchase before selling.

Question 3

Are bridge loans harder to get than conventional loans?

Accepted Answer

They're different, not harder. Approval hinges on your equity and exit plan — not traditional income ratios.

Question 4

Can I use a bridge loan on a San Leandro investment property?

Accepted Answer

Yes. Bridge loans work for both primary residences and investment properties. Lender terms vary by use case.

Question 5

What happens if my current home doesn't sell in time?

Accepted Answer

You'll need a plan B — either an extension or a refinance into a longer-term product. Discuss this upfront.

Bridge Loans in San Leandro, CA