Question 1

How long does a bridge loan last in California?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders offer up to 24 months if your sale timeline needs more runway.

Question 2

Do I make payments on a bridge loan?

Accepted Answer

Usually interest-only payments during the term. The principal is paid off when your departing home sells.

Question 3

Can I get a bridge loan if I still have a mortgage?

Accepted Answer

Yes. Most bridge loan structures account for your existing mortgage. Your combined equity is what lenders underwrite against.

Question 4

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

Accepted Answer

That's the real risk. Lenders will ask about your exit strategy upfront. Price your home aggressively to stay ahead of the loan term.

Question 5

Are bridge loans harder to qualify for than conventional loans?

Accepted Answer

Different, not necessarily harder. Income documentation is more flexible. Equity and exit strategy carry more weight than debt-to-income ratios.

Question 6

How fast can a bridge loan close in Orange County?

Accepted Answer

Faster than most loans — often 10 to 15 business days. That speed is the main reason buyers use them in competitive markets.

Bridge Loans in Cypress, CA — Buy Before You Sell