Question 1

How long does a bridge loan last in Orland?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders offer extensions if your property hasn't sold.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No — that's the point. The bridge loan funds your purchase while your current home is still on the market.

Question 3

Are bridge loans available for rural Glenn County properties?

Accepted Answer

Yes, but lender options narrow for ag or non-standard parcels. We work with lenders who know rural California.

Question 4

What credit score do I need for a bridge loan?

Accepted Answer

Requirements vary by lender since this is non-QM. Equity and exit strategy carry more weight than your score.

Question 5

What happens if my home doesn't sell before the bridge loan matures?

Accepted Answer

You'll need to refinance or pay it off. Some lenders allow extensions. Plan your exit strategy carefully upfront.

Question 6

How is a bridge loan different from a hard money loan?

Accepted Answer

Bridge loans focus on your transition timeline. Hard money moves faster but typically costs more in rate and fees.

Bridge Loans in Orland, CA — Buy Before You Sell