Question 1

How long does a bridge loan last?

Accepted Answer

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

Question 2

Do I carry two mortgage payments at once?

Accepted Answer

Often yes, for a short period. Some bridge structures roll payments into the loan so you're not writing two checks every month.

Question 3

Will lenders finance rural properties in Siskiyou County?

Accepted Answer

Retail banks usually won't. Non-QM and private lenders will — they evaluate the collateral, not just the zip code.

Question 4

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

Accepted Answer

Talk to your lender about extension options upfront. Some allow short extensions, but they come with fees. Plan your timeline conservatively.

Question 5

Can I use a bridge loan to buy land or a farm?

Accepted Answer

Some specialty lenders will. It depends heavily on the collateral and the lender's rural property guidelines.

Bridge Loans in Montague, CA — Buy Before You Sell