Question 1

How long does a bridge loan last in California?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders offer extensions if your existing property hasn't sold.

Question 2

Do I need to sell my Isleton home first?

Accepted Answer

No — that's the point. A bridge loan lets you buy before you sell. Your current home secures the short-term financing.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Requirements vary by lender. Most want 620 or higher, but strong equity can offset a lower score with some lenders.

Question 4

Are bridge loan rates higher than conventional rates?

Accepted Answer

Yes. Bridge loans carry more risk and shorter terms, so rates run higher. Rates vary by borrower profile and market conditions.

Question 5

Can I use a bridge loan on a Delta property?

Accepted Answer

Yes. Lenders will assess the property type and your equity. Unique or rural properties may require more documentation.

Question 6

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

Accepted Answer

Talk to your lender before the term ends. Some offer extensions. Having a backup exit strategy — like a refinance — is smart planning.

Bridge Loans in Isleton, CA — Move Fast Without Getting Stuck