Question 1

How long can I carry a bridge loan in Susanville?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months for rural markets like Lassen County.

Question 2

Do I need to sell my home before applying?

Accepted Answer

No. Bridge loans are designed for borrowers who haven't sold yet. Your existing equity is the collateral.

Question 3

Will my debt-to-income ratio hurt my bridge loan approval?

Accepted Answer

Bridge loans are Non-QM, so DTI rules are flexible. Lenders focus on equity and your exit plan instead.

Question 4

Are bridge loans available for rural properties in Lassen County?

Accepted Answer

Yes, but fewer lenders serve rural markets. Working with a broker who shops wholesale lenders makes a real difference.

Question 5

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

Accepted Answer

Talk to your lender early — extensions are sometimes available. Your exit strategy should include a backup plan.

Question 6

How is a bridge loan different from a HELOC?

Accepted Answer

A HELOC takes weeks or months and requires steady income. A bridge loan closes faster and is tied to your sale.

Bridge Loans in Susanville, CA — Buy Before You Sell