Bridge Home Loans

What is a Bridge Home Loan?

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.

A bridge loan lets you make a non-contingent offer on your next home using your current home's equity — even before it sells.

Who qualifies for a Bridge Home Loan?

This program is built for borrowers who match the criteria below. Not sure where you stand? Send us a quick message and we'll confirm in minutes.

• Move-up buyers in competitive markets
• Sellers who need their equity for the next purchase
• Buyers who can't make contingent offers
• Anyone facing tight purchase + sale timing

Advantages of Bridge Home Loans

• 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 the process works

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.