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 strong.

Question 2

Can I get a bridge loan if my Cotati home isn't listed yet?

Accepted Answer

Yes. Lenders care about your equity and your plan to sell — not whether the listing is active yet.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Requirements vary by lender, but most want 620 or higher. Equity matters more than credit on most bridge deals.

Question 4

Are bridge loan rates higher than conventional rates?

Accepted Answer

Yes. Bridge loans are short-term, higher-risk products. Rates vary by borrower profile and market conditions.

Question 5

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

Accepted Answer

Talk to your lender early. Some offer extensions. Having a refi or hard money backup plan is smart before you close.

Question 6

Do bridge loans require monthly payments?

Accepted Answer

Some lenders offer interest-only or deferred payments. Structure depends on the lender and your qualifying profile.

Bridge Loans in Cotati, CA — Buy Before You Sell