Question 1

How long does a bridge loan last in King City?

Accepted Answer

Most bridge loans run 6 to 12 months. In a slower market like King City, a 12-month term gives you real room to sell.

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 existing property is still on the market.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

There's no universal minimum. Lenders focus on equity and exit strategy. Credit still matters, but it's not the primary driver.

Question 4

Can I bridge a rural or agricultural property in Monterey County?

Accepted Answer

Yes, but lender selection matters. Some wholesale lenders won't touch ag-adjacent parcels. We know which ones will.

Question 5

What are typical bridge loan rates?

Accepted Answer

Rates run higher than conventional loans. Rates vary by borrower profile and market conditions — expect a premium for the short-term flexibility.

Question 6

How fast can a bridge loan close?

Accepted Answer

Faster than conventional — often 10 to 21 days with the right lender. Speed is one of the main reasons buyers use bridge financing.

Bridge Loans in King City, CA — Buy Before You Sell