Question 1

How long does a bridge loan last in Madera?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if needed.

Question 2

Do I need to sell my home before getting a bridge loan?

Accepted Answer

No — that's the point. You buy first, then sell your existing property before the bridge term ends.

Question 3

Are bridge loans harder to qualify for than conventional loans?

Accepted Answer

Different, not harder. Lenders focus on equity and exit strategy instead of debt-to-income ratios.

Question 4

Can I use a bridge loan on agricultural property in Madera County?

Accepted Answer

Yes, but lender options narrow with ag land. We work with wholesale partners who handle rural Madera County deals.

Question 5

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

Accepted Answer

You'll need to refinance or extend the bridge. Having a realistic sell timeline before closing is critical.

Question 6

How fast can a bridge loan close in Madera?

Accepted Answer

Many bridge loans close in 2–3 weeks. Speed depends on the lender, property type, and how clean your file is.

Bridge Loans in Madera, CA — Buy Before You Sell