Question 1

How long does a bridge loan last in Etna?

Accepted Answer

Most bridge loans run 6 to 12 months. Given Etna's slower market, plan for the longer end.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No — that's the point. Bridge loans let you buy before your current home sells. Your equity secures the loan.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Requirements vary by lender. Most want 620 or higher, but equity and exit strategy carry more weight than score alone.

Question 4

Are bridge loans available for rural Siskiyou County properties?

Accepted Answer

Yes, but not through most retail banks. Private and wholesale lenders are your best path in rural markets like Etna.

Question 5

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

Accepted Answer

You'll need a backup plan — either a refi or loan extension. Discuss this with your broker before you close the bridge.

Bridge Loans in Etna, CA — Buy Before You Sell