Can LYNK Mortgage bridge fees be rolled into the loan amount?

Yes, most LYNK Mortgage bridge loans allow origination fees and closing costs to be rolled into the balance, reducing your upfront cash requirement. Discuss your preference during underwriting.

Are there any fees if I pay off my LYNK Mortgage bridge loan early?

No. LYNK Mortgage bridge loans have no prepayment penalties, allowing you to refinance or pay off early without additional costs. This flexibility enables you to exit quickly if your project performs better than expected.

What if I need to extend my bridge loan beyond 24 months?

LYNK Mortgage works with repeat investors on extensions, typically at adjusted rates. Discuss timeline flexibility during underwriting if you anticipate potential delays in your exit strategy.

How Much Does a Bridge Loan Cost? Full Fee Breakdown

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Quick Facts

Interest rates

8.75% and up (fixed, no surprises)

Origination fees

Typically 1-2% of loan amount

Key Fact

No prepayment penalties at LYNK Mortgage

Closing costs

Appraisal, title, legal (usually $2-5K total)

Carrying costs

Property taxes, insurance, utilities during hold

Bridge loan costs extend beyond interest rates. Understanding the full fee structure—origination, underwriting, appraisal, title, and carrying costs—helps you accurately project returns and budget for total financing expenses.

Core Bridge Loan Fee Structure

LYNK Mortgage bridge loans carry straightforward fees with no hidden costs. Interest rates start at 8.75%, fixed for your entire 24 months term with no adjustments. Origination fees typically run 1-2% of the loan amount (a $500K bridge costs $5-10K upfront). Underwriting, processing, and appraisal fees are bundled into an overall cost structure, eliminating surprises. These fees can typically be rolled into the loan balance, reducing upfront cash outlay. LYNK Mortgage provides full cost breakdowns before closing, so you know exactly what you're paying. There are no mystery fees, no prepayment penalties, and no extension fees if you need to refinance during your bridge term.

Calculating Total Bridge Loan Costs

Project your total bridge cost using these components: (1) Interest: If borrowing $500K at 8.75% for 18 months, interest totals approximately $65,625. (2) Origination/fees: 1-2% equals $5-10K. (3) Closing costs (appraisal, title, legal): $2-5K. (4) Carrying costs (taxes, insurance, utilities): Variable by property and location, roughly $500-2,000/month. Total bridge cost for an 18-month $500K loan might range $80-120K depending on property and location. LYNK Mortgage helps you model scenarios; if your project generates $150K+ in value creation or profit, bridge costs are a smart trade-off for speed and execution control.

Comparing Bridge Costs to Alternative Financing

Compare bridge costs to opportunity costs of delayed financing. A traditional mortgage might cost 6.5% but takes 60 days to close; in that time, you lose your deal or pay a higher acquisition price. LYNK Mortgage bridge loans cost more in rate terms but deliver certainty and speed. Compared to hard money (12%+), LYNK Mortgage bridges save substantial interest—on $500K for 18 months, you save roughly $26K in interest versus hard money at 14%. For fix-and-flip deals where speed secures purchase discounts or allows earlier resale, bridge loan costs are easily recovered. Run your project economics: Does LYNK Mortgage bridge financing enable returns exceeding the cost? If yes, the bridge is a smart tool.

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LYNK Mortgage offers fix & flip loans, new construction loans, multi-family bridge loans, and DSCR rental loans to real estate investors.

Disclaimers: LYNK Mortgage makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. LYNK Mortgage does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of LYNK Mortgage and all terms are expressly subject to LYNK Mortgage's credit, legal, and investment approval process.

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