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, but those come with added fees.

Question 2

Can I get a bridge loan if my home isn't listed yet?

Accepted Answer

Yes. Lenders care that you have equity and a credible plan to sell. Being listed helps, but isn't always required.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

There's no hard floor like FHA has. Most lenders want 620+, but equity and exit strategy carry more weight.

Question 4

Are bridge loans available for investment properties in Loma Linda?

Accepted Answer

Yes. Investors use bridge loans frequently to move quickly on acquisitions before offloading another property.

Question 5

How fast can a bridge loan close?

Accepted Answer

Faster than conventional — often 10 to 15 business days. Some private lenders can move even quicker.

Bridge Loans in Loma Linda, CA