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 for the right deal.

Question 2

Do I need to sell my home before the bridge loan is due?

Accepted Answer

Yes. Your sale or a refinance pays off the bridge. Have a realistic timeline before you commit.

Question 3

Can I get a bridge loan on rural Sierra County property?

Accepted Answer

Yes, but lender options narrow with rural and acreage properties. A broker helps you find the right fit.

Question 4

Are bridge loans Non-QM loans?

Accepted Answer

Yes. Bridge loans don't follow agency guidelines. They're underwritten on equity and exit strategy, not income ratios.

Question 5

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

Accepted Answer

You may face an extension or forced payoff. Plan your exit conservatively — Loyalton's market moves on its own schedule.

Bridge Loans in Loyalton, CA — Move Fast Without Waiting