Bridge Loans
Buy before you sell. Close fast, own the property and refi later.
Who Its Best For?
Homeowners or investors who need to purchase a new property before selling their current one
- Clients leveraging equity in an existing asset to move fast on a new opportunity
- Investors facing tight closing timelines or multiple transactions in motion
What It Does
Bridge financing allows you to tap into your current property’s equity to buy your next property before selling the first. It’s ideal for investors, relocations, or time-sensitive acquisitions that can’t wait for a sale to close.
We structure these loans for speed and flexibility, making it possible to buy before you sell, close fast, and refinance later once your equity is free.
Why It Matters
Timing shouldn’t be the reason you miss a deal. A Bridge Loan provides liquidity to move fast while maintaining long-term strategy flexibility. The benefits include:
- Access to equity before your sale closes
- Ability to buy before you sell
- Competitive interest-only terms
- Seamless refinance into permanent financing once sold
Key Benefits
- Short-term, interest-only financing (typically 6–12 months)
- No prepayment penalties
- Ideal for transitions, relocations, or opportunistic buys
- Quick approvals and closings — often in days
- Available nationwide for residential and investment properties
Example Scenario
A client identifies a new property but hasn’t sold their current home. We structure a bridge loan secured by the existing property’s equity, allowing them to close immediately. Once the sale completes, they refinance into long-term financing at market rates.
FAQ
How does a bridge loan work?
It uses the equity in your current property to fund the purchase of a new one before you sell.
How long are bridge loans?
Typically 6–12 months, designed as short-term transition financing.
What are the repayment options?
Interest-only during the term, with payoff when your existing property sells.
Can I use this for investment or primary homes?
Yes. Available for both owner-occupied and investor properties.
What happens after the sale?
You can either pay off the bridge loan or refinance into permanent financing.
