Question 1

How long does a bridge loan last in Napa?

Accepted Answer

Most run 6 to 12 months. Some lenders extend to 24 months. Your exit timeline drives the term you need.

Question 2

Can I get a bridge loan on a Napa vineyard property?

Accepted Answer

Yes, but fewer lenders handle ag or mixed-use collateral. You need a broker who can find the right one.

Question 3

Do bridge loans require monthly payments?

Accepted Answer

Most are interest-only during the term. Some lenders allow deferred payments until the property sells.

Question 4

What credit score do I need for a bridge loan?

Accepted Answer

There's no universal minimum. Lenders prioritize equity and exit strategy over credit score.

Question 5

How fast can a bridge loan close in Napa?

Accepted Answer

Faster than conventional — often 10 to 15 business days. Speed depends on the lender and your documentation.

Question 6

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

Accepted Answer

You'll need to refinance or extend the bridge loan. Discuss contingency plans with your broker before you close.

Bridge Loans in Napa, CA — Buy Before You Sell