Now AvailableWhy a BridgeHome Loan?

Most homeowners need to sell their current home to purchase a new one because they cannot afford two mortgage payments at the same time. Ideally you would sell your current home and use the proceeds from that as the down payment for your new home. However the problem here is you then HAVE to WAIT to sell before you can buy - which means you may miss out on your dream home or lower interest rates.

Request a Consultation with a Bridge Loan Specialist

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Once your home does sell, if you don't have a new home lined up right away, you might have to move into temporary living quarters. Of course you could make an offer on your next home while you're trying to sell, but you would have to include a home sale contingency clause, which is very unattractive to sellers.

Alternatively if you already own your home free and clear. You could you use the funds from selling your current home as a down payment for your new home. In this case you're playing the waiting game until an acceptable offer on your current home comes in.

meet he bridge loan house

Meet the Bridge Home Loan

With a Bridge Loan, also known as gap financing, interim financing or a swing Loan, you can qualify for and buy your dream home, without the issue of a home sale contingency clause and without having to sell your current home first. The Bridge Loan provides short-term home financing, to bridge the gap until you receive a solid offer on your current home. It's a well-known option during the busy home buying season, when home buyers are competing with multiple offers.

The Bridge Loan provides flexibility with your home financing. No more asking the classic question of which came first, the chicken or the egg - buy or sell your home first?

Real Life Scenarios with the Bridge Loan

Meet John and Linda

Meet Meet Don and Susan

Why consider a Bridge Loan?

Understands your current debts

Understands your current debts

How can you qualify? With the Bridge Loan, the mortgage payment on your current home is excluded from the debt considered when qualifying for the loan.

Provides equity

Provides equity

The Bridge Home Loan provides the equity needed for a down payment - it looks at your current home as an asset which helps you qualify, also known as cross-collateralization.

Don't wait

Don't wait

The Bridge Loan will allow you to buy your dream home while it's still on the market! If you have to wait for the sale of your current home, or have to make an offer with a home sale contingency clause, you could miss out.

Avoid the home sale contingency clause

Avoid the home sale contingency clause

Otherwise known as the ugly duckling, an offer with a home sale contingency clause. (I have to sell my current home before I can buy my next home) can be very unattractive as this could cause delays for the seller, who likely also wants to use the proceeds from the sale to buy their next home.

Avoid temporary living quarters

Avoid temporary living quarters

The Bridge Home Loan gets you into your dream home without having to rely on selling your current home. If you decide to sell your current home before finding your dream home, and then you get an amazing offer on your home that you just can't pass up, you may find yourself in temporary living quarters until you finally find your dream home. Focus on what YOU want FIRST.

Reduce the pressure to sell

Reduce the pressure to sell

The Bridge Home Loan relieves the pressure of time and gives you the chance to wait for an ideal offer on your current home so that you don't have to desperately accept whatever comes in.

But, will I have to manage two mortgage payments at once?

For some of you that don't own your current home free and clear, this is a legitimate concern. The good news is the Bridge Home Loan Program is a short-term, interest-only home loan program. As an interest-only loan, you will not have to worry about two hefty mortgage payments. Once you sell your home, you will refinance into permanent home financing.

What our clients say

  • Sara and her team works efficiently and is personally invested in their clients to help them achieve their goals and dreams of acquiring their dream home. Their attention to detail is 2nd to none and we are thankful we have them to guide us through these difficult and tedious obstacles to get financed for our new home! Thank you to you and your...

    - Michael Avila M.
  • Phil at OneTrust and along with Melody,the client manager accomplished a One Time close for new construction on a house that 3 other mortgage companies couldn't get done. The other 3 just didn't listen, we had Social Security income and 1099 self employed income that required a special amount of knowledge and Phil had that knowledge, he listened...

    - SHARON ABRAMS S.
  • Janet is the best! The entire process was made easy. If I had any questions or concerns she quickly found answers and solutions. My husband and I have been dreaming of a new build for a number of years now and this dream is becoming reality!! Thanks Janet and team for supporting us through the process.

    - Anna W. A.