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, but longer terms come with higher costs.

Question 2

Do I need to sell my Adelanto home first?

Accepted Answer

No — that's the point. A bridge loan lets you close on the new property before your current home sells.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Most lenders want 620 or higher. Strong equity in your departing property can help offset a lower score.

Question 4

Are bridge loans more expensive than conventional mortgages?

Accepted Answer

Yes. Rates run significantly higher. You're paying for speed and flexibility, not long-term cost savings.

Question 5

Can I use a bridge loan on an investment property in Adelanto?

Accepted Answer

Yes. Bridge loans work on investment properties too. Lenders will still focus on equity and your sale exit plan.

Question 6

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

Accepted Answer

You'll need to refinance or extend the bridge loan — both cost money. Price your departing home to sell, not to test the market.

Bridge Loans in Adelanto: Buy Before You Sell