Loan program
Bridge Home Loan
Short-term financing to buy your next home before your current home sells.
A bridge loan lets you make a non-contingent offer on your next home using your current home's equity — even before it sells.
Bridge loans solve one of the most stressful problems in real estate: needing equity from your current home to buy the next one — but not being able to sell first.
With a bridge loan, you tap up to 80% of your current home's equity to use as down payment on the new home. Then you sell on your own timeline, and the bridge is paid off from the sale proceeds.
It's short-term financing, so rates are slightly higher than a traditional purchase loan, but in competitive markets the ability to make a non-contingent offer is invaluable.
What it gives you
Buy Before You Sell
Tap up to 80% of current home's equity for the next purchase.
Non-Contingent Offers
Make offers without a home-sale contingency — much stronger in competitive markets.
Short Term
Typically 6–12 months, paid off when current home sells.
No Income Verification (some programs)
Asset-based bridge programs ignore W-2 income.
How it runs, start to finish
- 1
Equity Analysis
We estimate available equity in your current home.
- 2
Apply
Standard application focused on equity and exit plan.
- 3
Close on Bridge
Bridge loan funds before or simultaneous with the new home purchase.
- 4
Sell & Pay Off
When current home sells, the bridge is paid off from proceeds.
Questions people ask about this one
What does a bridge loan cost?
Rates typically 1–3% above market, plus closing costs. Interest is short-term so total cost is manageable.
How long do I have to sell?
Most bridge loans give you 6–12 months. Extensions are available if needed.
Can I have two mortgages at once?
During the bridge period, yes. Our underwriters confirm you can carry both temporarily.
What if my home doesn't sell?
We refinance into a long-term loan. The bridge is designed to never be a trap.
Programs people look at next
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
