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 you'll pay for that flexibility.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No — that's the point. You qualify using equity in your current home. The sale can happen after you close on the new one.

Question 3

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

Accepted Answer

You'll need to refinance into longer-term financing or pay off the bridge loan. Always have a backup plan before you close.

Question 4

Are bridge loans harder to get than conventional loans?

Accepted Answer

Different, not harder. Lenders focus on equity and exit strategy, not debt-to-income ratios. The underwrite is faster but more direct.

Question 5

Can I use a bridge loan on a Santa Paula investment property?

Accepted Answer

Yes. Bridge loans work for both owner-occupied and investment properties. Lender terms will differ based on occupancy type.

Bridge Loans in Santa Paula, CA — Move Fast, Don't Miss the Deal