Question 1

How long does a bridge loan last in California?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your exit strategy supports it.

Question 2

Do I need to sell my Montclair home first?

Accepted Answer

No — that's the point. A bridge loan funds your new purchase while your current home is still on the market.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Requirements vary by lender. Most private lenders prioritize equity over credit score, but stronger credit improves your rate.

Question 4

Are bridge loans interest-only?

Accepted Answer

Many are. You pay interest during the loan term, then repay the principal when your departing home sells.

Question 5

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

Accepted Answer

Yes. Investors use bridge loans often for acquisitions and repositioning. Lender terms differ for investment vs. primary use.

Question 6

How fast can a bridge loan close in San Bernardino County?

Accepted Answer

Private lenders can close in as little as 7–14 days. Timeline depends on title, appraisal, and lender requirements.

Bridge Loans in Montclair, CA — Buy Before You Sell