Question 1

How long does a bridge loan last in Mountain View?

Accepted Answer

Most bridge loans run 6 to 12 months. That gives you time to sell your current home and pay off the bridge.

Question 2

Can I use a bridge loan with a contingent offer?

Accepted Answer

No — the point of a bridge loan is to remove the contingency. You close on the new home without waiting for your sale.

Question 3

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

Accepted Answer

You'll need to refinance or extend the bridge term. This is why a realistic exit strategy matters before you start.

Question 4

Are bridge loans considered non-QM?

Accepted Answer

Yes. Bridge loans are non-QM products. They don't meet standard agency guidelines, so bank options are limited.

Question 5

How much can I borrow with a bridge loan?

Accepted Answer

It depends on your current home's equity and the lender's LTV limits. Most programs cap at 70–80% combined LTV.

Bridge Loans in Mountain View, CA