Bridge Loans
Buy your next home before you sell your current one. A bridge loan lets you access your equity up front so you can make a strong, non-contingent offer and move on your timeline — not the market's.
Bridge Loan Benefits
Fast Access to Cash
Tap your equity quickly to fund your next move
No Contingent Offers
Make a stronger, non-contingent offer on your new home
Short-Term Flexibility
Designed to bridge the gap until your current home sells
Stack Your Financing
Pair with a new purchase loan to cover both transactions
How Bridge Loans Work
A bridge loan is a short-term, interest-only loan secured by the equity in your current home. It gives you the cash you need to purchase your next property before your existing one sells — typically with a term of 6 to 12 months.
Once your current home sells (or you refinance into a permanent mortgage), the bridge loan is paid off. This lets you act quickly in competitive markets without making your new offer contingent on selling your old home.
💡 Example: You own a $600,000 home with $250,000 in equity. A bridge loan can unlock that equity so you can put a non-contingent offer on your next home — then repay the bridge when your current home sells.
Loan Requirements
- Significant equity in your current home (typically 25%+)
- Approved buyer under contract or listing agreement on current home
- Minimum credit score typically 680
- Debt-to-income ratio that supports both payments
- Clear exit strategy (sale or refinance within 6–12 months)
- Available for primary residences and select investment properties
Who Qualifies?
Ready to Bridge Your Next Move?
Our mortgage specialists can help you structure a bridge loan that fits your timeline and equity.