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 plan supports it.

Question 2

Do I carry two mortgage payments at once?

Accepted Answer

Yes, temporarily. Many bridge loan structures allow interest-only payments to reduce that monthly burden.

Question 3

Can I get a bridge loan in Atwater with a contingent sale?

Accepted Answer

The bridge loan replaces the contingency. Your current home is collateral, so lenders expect it to sell within the term.

Question 4

What credit score do bridge lenders require?

Accepted Answer

Requirements vary, but most lenders want at least a 620. Equity position matters more than credit score here.

Question 5

Are bridge loans available for investment properties in Merced County?

Accepted Answer

Yes. Bridge loans work well for investors acquiring properties before disposing of others. Non-QM guidelines apply.

Question 6

How fast can a bridge loan close in California?

Accepted Answer

Faster than conventional — often 10 to 15 business days. Speed depends on appraisal and title turnaround.

Bridge Loans in Atwater, CA — Buy Before You Sell