Question 1

How long does a bridge loan last in Cupertino?

Accepted Answer

Most bridge loans run 6 to 12 months. You sell your current home and pay it off within that window.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No — that's the point. The bridge loan lets you buy first. Your current home sells while you're already moved.

Question 3

Are bridge loan rates higher than conventional rates?

Accepted Answer

Yes. Bridge loans are short-term and non-QM. Rates are higher. Rates vary by borrower profile and market conditions.

Question 4

How much equity do I need to get a bridge loan?

Accepted Answer

Most lenders want at least 20% equity in your departing property. More equity means better terms.

Question 5

Can I use a bridge loan on a Cupertino investment property?

Accepted Answer

Yes, some lenders allow it. Investor bridge loans have different underwriting — we can walk you through options.

Question 6

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

Accepted Answer

You'll need to pay off or extend the bridge loan. Have a backup plan before you close.

Bridge Loans in Cupertino: Buy Before You Sell