Question 1

How long is a typical bridge loan term in St. Helena?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months for complex properties.

Question 2

Do I need to sell my current home first?

Accepted Answer

No — that's the point. You close on the new property first, then sell your existing home.

Question 3

What equity do I need to qualify?

Accepted Answer

Most lenders want substantial equity in your current property. The more equity, the stronger your position.

Question 4

Are bridge loans available for vineyard properties?

Accepted Answer

Yes, but lenders scrutinize agricultural and mixed-use properties closely. Specialized lenders handle these best.

Question 5

How fast can a bridge loan close in Napa County?

Accepted Answer

Timelines vary by lender and deal complexity. Some wholesale lenders can move in two to three weeks.

Question 6

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

Accepted Answer

This is why your exit strategy matters. Discuss extension options and backup plans with your broker upfront.

Bridge Loans in St. Helena — Move Fast in Wine Country