Bridge Loans

Buy before you sell by leveraging equity in your current home.

If you are ready to buy a new home but haven’t sold your current one, a bridge loan may be the perfect solution. A Bridge Loan is designed to help you leverage your existing home equity to finance a new purchase, without waiting for your home to sell. This short-term financing option allows you to move quickly and confidently in competitive markets, all while maintaining flexibility in your timeline.

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Bridge Loans Are Good For:

Bridge loans are a great fit for homeowners who want to buy a new home before selling their current one. They’re especially useful for buyers in competitive markets, families relocating, or anyone with strong home equity looking to avoid making a contingent offer.

Bridge Loan Details

How It Works +

Once approved, the bridge loan provides funds that can be used for a down payment and closing costs on your new home. After your existing home is sold, the proceeds can be used to pay off the bridge loan. During the loan period, payments may be interest-only or deferred, depending on the program structure.

Qualification Requirements +

Borrowers must have sufficient equity in their current home and meet credit and asset guidelines. The program may also factor in the monthly obligations of both homes, although some lenders offer flexibility by excluding the departing residence from the debt-to-income ratio if it is listed for sale.

Choosing the Right Fit +

A bridge loan can be an excellent short-term tool for the right borrower. If you have strong equity, solid credit, and a plan in place to sell your home, this program can help you transition smoothly without financial strain.

Not the Loan You Were Looking For?

Secure Your Bridge Loan at One of Our Branches

Moving from one home to the next should not be stressful. With a Bridge Loan, you can buy confidently and sell on your own terms. Talk to one of our loan officers today to see if this short-term financing solution is the right move for you.

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