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 the deal warrants it.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No — that's the point. You use existing equity to fund the new purchase. Your old home sells during the bridge term.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Many lenders start around 620–640. Equity and exit strategy carry more weight than your score alone.

Question 4

Are bridge loan rates higher than conventional rates?

Accepted Answer

Yes. Bridge loans are short-term and higher-risk products. Rates reflect that. Rates vary by borrower profile and market conditions.

Question 5

Can I use a bridge loan on a Maricopa investment property?

Accepted Answer

Yes. Bridge loans work on owner-occupied and investment properties. Lenders will underwrite each scenario differently.

Question 6

How fast can a bridge loan close?

Accepted Answer

Faster than conventional — often 2 to 3 weeks with the right lender. Having your docs ready speeds things up.

Bridge Loans in Maricopa, CA — Move Fast Without Selling First