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1. What is a bridging Loan?

A bridging loan is a short-term mortgage on U.S. real estate to help a borrower quickly access cash to meet a need where traditional bank financing is not available or prudent. It also offers more flexibility of payments and the ability to tailor the loan to the client’s needs.

Typically a bridging loan term is one year, however, on a case-by-case basis a loan can be structured to 2 to 3 years.

Popular uses of a bridging loan include putting a down payment for a new property while waiting to sell your existing home. Or making an urgent business investment while bank financing is being arranged.

Read about real-life examples of how to make full use of a U.S. bridging loan.

2. What is different about the bridging loan that GMG's lenders are offering?

Unlike traditional banks in America, Global Mortgage Group’s (GMG) network of onshore and offshore lenders focus on the quality and value of the real estate collateral to determine eligibility and terms of the bridging loan.

Traditional bank loans often impose requirements for age, income and Debt Servicing Ratios, which are not needed when you apply for a bridging loan offered by GMG’s lenders.

Moreover, there is no requirement for the borrower to maintain an account or deposit funds with the lenders in GMG’s network.

3. What are some other advantages of a U.S. bridging loan?

One major advantage of the bridging loan that Global Mortgage Group’s lenders offer is that financing is available for up to 75% or more of the value of your property collateral. Banks often do not offer such high loan-to-value bridging loans.

Every bridging loan can also be tailored to the borrower’s individual situation. For example, borrowers have the option to make interest-only payments, with the principal due at the end of the loan period. The bridging loan can also be structured so that the borrower does not have to make any payments for a period of time.

4. What type of property can be considered as collateral for a U.S. bridging loan?

Most asset classes including private residential, commercial, mixed-use property and land are acceptable.

5. What is the interest rate of a U.S. bridging loan?

Rates are extremely competitive but can vary on the requirements and asset type. The final interest rate will depend on several factors, including the value and location of the collateral property, loan amount, speed of funding and the borrower’s “exit strategy.” That is, financing plans at the end of the bridging loan’s term.

6. What are other criteria to obtain a U.S. bridging loan?

Depending on the type of financing you’re looking to obtain the criteria can vary. Speak to one of our professional today for more information