Question 1

How long does a bridge loan last in California?

Accepted Answer

Most run 6 to 12 months. Some lenders extend to 24 months for the right deal.

Question 2

Do I need to sell my Winters home first?

Accepted Answer

No — that's the point. You buy first, then sell. The bridge loan covers the gap.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Requirements vary by lender. Equity is the bigger factor — strong equity can offset a lower score.

Question 4

Are bridge loan rates higher than conventional rates?

Accepted Answer

Yes. These are short-term, non-QM loans. Expect higher rates than a 30-year fixed. Rates vary by borrower profile and market conditions.

Question 5

Can I use a bridge loan on rural Yolo County property?

Accepted Answer

Yes, but lenders will scrutinize the appraisal closely. Mixed-use or ag land adds complexity.

Question 6

How fast can a bridge loan close?

Accepted Answer

Faster than conventional — sometimes in 10 to 15 days. It depends on the lender and your documentation.

Bridge Loans in Winters, CA — Buy Before You Sell