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Bridge Loans
Close on your new home before selling your current one. Short-term financing that bridges the gap using your existing home's equity.
6-12 Month Terms
Enough time to sell your existing home while your new purchase moves forward without a contingency.
Cross-Collateralized Financing
Lenders typically secure the loan against both properties, so equity and qualification requirements vary by lender.
Streamlined Process
Access to multiple lenders means we can find the best loan program for your specific situation, ensuring a faster and more efficient approval.
Expert Guidance
As a licensed mortgage broker, we provide the expert guidance needed to navigate the complexities of self-employed lending programs.
Who Bridge Loans Are For
These short-term loans are built for homeowners who need to move on their next property before their current one sells.
Move-Up Buyers
Homeowners who've found their next home but haven't sold their current one and don't want to lose the deal.
Non-Contingent Offers
Buyers who want to compete in a fast-moving market with an offer that isn't contingent on selling their existing home first.
Equity-Rich Homeowners
Owners with substantial equity built up in their current home who can use it to bridge the gap until their sale closes.
How to Qualify
Meeting these standard criteria helps ensure a smooth approval process for your bridge loan.
Typically 20%+ equity in your current home
✓
Credit score of 680+ is common, though requirements vary by lender
✓
Current home listed for sale or under a purchase contract
✓
Ability to carry payments on both properties short-term
✓
Cash reserves to cover the bridge period
✓
Myth
Bridge loans are only for people who can't sell their home.
Reality
They are a legitimate short-term financing tool that lets homeowners buy their next home before selling their current one, using existing home equity.
Bridge Loan FAQs
Do I need to provide tax returns?
No, bridge loans qualify based on your current home's equity and your ability to carry payments short-term, not a full income review like a standard mortgage.
How is my eligibility determined?
Your lender looks at your current home's equity, its likely sale value, and your ability to cover both payments (or a modified payment) during the bridge period.
Guidelines and eligibility vary by lender, and bridge loans are considered short-term, non-QM financing. This information is for educational purposes only and is not a guarantee of approval or loan terms.