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, but that's less common for rural markets like Siskiyou County.

Question 2

Can I get a bridge loan on a Mount Shasta vacation property?

Accepted Answer

Yes, but lenders apply stricter scrutiny to vacation homes. Expect tighter loan-to-value limits and closer review of your exit plan.

Question 3

Do bridge loans require income verification?

Accepted Answer

Most bridge loans skip traditional income docs. Lenders focus on your equity position and exit strategy instead.

Question 4

What credit score do I need for a bridge loan?

Accepted Answer

Most lenders want at least 620. Stronger credit can get you better terms, but equity matters more than your score on these deals.

Question 5

How fast can a bridge loan close in California?

Accepted Answer

Faster than conventional — often 10 to 15 business days. Speed depends on your lender and how clean your documentation is.

Question 6

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

Accepted Answer

You'll need to refinance or extend the bridge loan. That costs money. Have a backup plan before you sign.

Bridge Loans in Mount Shasta, CA