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 your exit timeline requires it.

Question 2

Do I need to sell my Suisun City home first?

Accepted Answer

No — that's the point. You close on the new home first, then sell. The bridge loan covers the gap.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Most lenders want 620 or higher. Equity and exit strategy carry more weight than credit score alone.

Question 4

Can I use a bridge loan to buy investment property?

Accepted Answer

Yes. Bridge loans work for both primary residences and investment purchases. Investor use cases are common in Solano County.

Question 5

How fast can a bridge loan close?

Accepted Answer

Fast lenders close in 10–15 business days. Have your appraisal and title ordered early to hit that window.

Question 6

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

Accepted Answer

You'll need to refinance or extend the bridge term. This is why your exit plan matters before day one.

Bridge Loans in Suisun City — Buy Before You Sell