Question 1

How long does a bridge loan last in Del Mar?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your property hasn't sold.

Question 2

What equity do I need to qualify?

Accepted Answer

Most lenders want at least 20–30% equity in your current home. Higher equity usually means better terms.

Question 3

Can I use a bridge loan on a Del Mar investment property?

Accepted Answer

Yes. Bridge loans work for both primary residences and investment properties. Investor deals may have different rate structures.

Question 4

Do I make payments during the bridge term?

Accepted Answer

Most bridge loans are interest-only. Some lenders defer all payments until the bridge period ends.

Question 5

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

Accepted Answer

You'll need to refinance or extend the bridge loan. Plan your exit strategy before you close — don't improvise.

Question 6

How fast can a bridge loan close in Del Mar?

Accepted Answer

Private bridge loans can close in 7–14 days. Speed depends on the lender and how clean your documentation is.

Bridge Loans in Del Mar — Move Fast Without Selling First