Question 1

How long does a bridge loan last in Rocklin?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if the deal supports it.

Question 2

Do I need to sell my home before applying?

Accepted Answer

No — that's the point. You apply while still owning your current home. The loan bridges the gap.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

There's no hard floor like conventional loans. Equity position and exit strategy carry more weight than your score.

Question 4

Can I use a bridge loan to buy in Rocklin while selling elsewhere?

Accepted Answer

Yes. The departing property doesn't need to be in Rocklin or even California. Lenders care about the equity and exit plan.

Question 5

Are bridge loans interest-only?

Accepted Answer

Many are. Interest-only payments keep monthly costs lower during the transition period. Ask your lender how the program is structured.

Question 6

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

Accepted Answer

You'll need to refinance or extend the bridge term. Plan your exit before you close — don't rely on a best-case timeline.

Bridge Loans in Rocklin, CA — Buy Before You Sell