Question 1

How long does a bridge loan last in Calexico?

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 use a bridge loan on investment property?

Accepted Answer

Yes. Bridge loans work for both primary homes and investment properties. Lender terms vary by use.

Question 3

Do I need to sell my home first to qualify?

Accepted Answer

No — that's the point. Bridge loans let you buy before you sell. Lenders evaluate your equity, not the sale date.

Question 4

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

Accepted Answer

Talk to your lender upfront about extension options. Some allow it, but fees apply. Plan for the worst case.

Question 5

Are bridge loan rates higher than conventional rates?

Accepted Answer

Yes, typically. Bridge loans carry more risk for lenders. Rates vary by borrower profile and market conditions.

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