Question 1

How long does a bridge loan last in Dixon?

Accepted Answer

Most bridge loans run 6 to 12 months. That window covers listing, selling, and paying off the bridge.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No — that's the point. Your current home can be listed or unlisted when you apply.

Question 3

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

Accepted Answer

You'd need to refinance or extend the bridge. Lenders may offer extensions, but plan your exit before you borrow.

Question 4

Are bridge loan rates higher than conventional rates?

Accepted Answer

Yes. Bridge loans are short-term and non-QM, so rates run higher. Rates vary by borrower profile and market conditions.

Question 5

Can I use a bridge loan for an investment property in Dixon?

Accepted Answer

Yes. Investors use bridge loans to move quickly on deals. The exit strategy — sale or refinance into a long-term loan — is key.

Question 6

How much equity do I need in my current home?

Accepted Answer

Most lenders require at least 20% equity. Higher equity means better terms and more borrowing flexibility.

Bridge Loans in Dixon, CA — Buy Before You Sell