Question 1

How long does a bridge loan last in Turlock?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your exit strategy is solid.

Question 2

Can I use a bridge loan on agricultural property in Stanislaus County?

Accepted Answer

Some non-QM lenders will bridge ag-adjacent residential properties. It depends on the lender and property type.

Question 3

Do I need to qualify for two mortgages at once?

Accepted Answer

With a bridge loan, lenders often use your departure property's equity to reduce that burden. Structure varies by lender.

Question 4

What credit score do I need for a bridge loan?

Accepted Answer

There's no universal minimum. Lenders care more about equity and your plan to repay than your credit score alone.

Question 5

How fast can a bridge loan close in Turlock?

Accepted Answer

Experienced non-QM lenders can close in 10–15 business days. Start early — don't wait until you're under contract.

Question 6

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

Accepted Answer

That's the key risk. Discuss extension options and fees with your lender before you sign. Have a backup plan ready.

Bridge Loans in Turlock, CA — Buy Before You Sell