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 the exit strategy is solid.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No. That's the point. You use your current home's equity to buy the new one before the sale closes.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Most lenders want 620 or higher. But equity and your exit plan carry more weight than your score alone.

Question 4

Can I use a bridge loan on a Benicia property?

Accepted Answer

Yes. Solano County properties qualify. The lender evaluates the equity in your departing home, not just location.

Question 5

Are bridge loan payments interest-only?

Accepted Answer

Usually yes. Interest-only payments keep your monthly costs down while you're carrying two properties.

Question 6

How fast can a bridge loan close?

Accepted Answer

Faster than conventional loans. Many close in 10–15 days depending on the lender and title timeline.

Bridge Loans in Benicia, CA — Buy Before You Sell