Bridge Loans: Buy Before You Sell
Use the equity in your current home to buy your next one now, without a contingent offer or moving twice.
- 30+ years of experience
- Use your current equity
- Make a non-contingent offer
What Is a Bridge Loan?
A bridge loan is short-term financing that lets you tap the equity in the home you own to buy a new one before your current home sells.
Once your old home sells, you pay off the bridge loan and keep your long-term mortgage on the new home.
Why Choose a Bridge Loan?
Shop like a cash buyer, and move only once.
Stronger Offers
Skip the home-sale contingency sellers dislike.
Move Once
Buy, move in, then sell. No short-term rental in between.
Unlock Your Equity
Use your current home’s equity for the down payment.
Better Timing
Buy when the right home appears, not when yours sells.
Sell for More
List your home empty and staged, without pressure.
Flexible Payments
Some programs defer payments until your home sells.
Do You Qualify?
Most homeowners with solid equity can qualify. Lenders look for:
- Significant equity in your current home
- Credit score of about 660 or higher
- Ability to qualify for the new mortgage
- A realistic plan and timeline to sell
- Cash reserves for the transition
See How Much Equity You Can Use
Tell us about your current home and the one you want. We’ll map out the numbers.
Prefer email? Send us a messageBridge Loan Questions
How much can I borrow with a bridge loan?
Usually up to about 80% of your current home’s value, minus what you owe on it.
Do I have to make two mortgage payments?
Possibly, for a short time. Some bridge programs defer or roll payments into the loan until your home sells.
What if my home takes longer to sell?
Many bridge loans allow an extension. Pricing your home right and planning your timeline with us keeps risk low.
Is a HELOC an alternative?
Sometimes. A home equity line of credit can work if it’s opened before you list your home.
Can investors use bridge loans?
Yes. Investors use them to buy a new property before selling another or while arranging long-term financing.
Run the Numbers First
Estimate your new payment and see how much home you can afford.
Get Pre-Approved in 3 Simple Steps
Tell Us Your Goals
Apply online in minutes or give us a call.
We Compare Your Options
We review your finances and find the best loan for you.
Get Your Pre-Approval
Shop for homes and make offers with confidence.