Buy the next one before this one sells.
Bridge loans can help real estate investors and homeowners secure short term financing to purchase or improve a property while transitioning into long term financing. This is really the whole point of bridge financial planning, giving you the money to move now instead of waiting on a sale to close first.
We compare bridge loan options across 100+ lenders to help you find the right fit for your goals.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a bridge file needs
Equity in the property you are leaving
Equity makes the bridge possible. Without it, the lender has nothing to secure the loan.
A credible sale plan
Lenders want to know how, when, and at what price your current property will sell.
Ability to carry both, briefly
Lenders assess whether you can comfortably hold two properties at once until your sale closes.
A credit history the lender can price
Standard across most bridge programs, similar to other purchase financing.
An exit
Almost always, the sale of the current home, occasionally a refinance, depending on your plan.
A short timeline
Bridge finance is temporary and priced accordingly, so it is not meant to last for years.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
It is expensive by design
Bridge loans cost more by design. Weigh that honestly against the benefit of buying first.
If the sale slips, the cost grows
Price the property to sell, not to test the market. Bridge loans reward quick decisions.
You are carrying two properties
Be honest about how long you can realistically hold both if the sale runs slow.
Nadeem Bhatti
Where we place bridge loans
Maryland
Virginia
Washington DC
North Carolina
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What buyers ask about bridge loans
What is a bridge loan?
Short-term finance secured against your current home, letting you buy the next one before this one sells. Many borrowers start by running a swing loan calculator, another common name for the same type of bridge financing, to get a rough sense of what it might cost.
How long does it last?
Bridge loans are built to be short-term, typically lasting anywhere from a few months up to a year, depending on the lender and your specific sale timeline.
Is it expensive?
Yes, relatively speaking. Short-term money costs more than a standard thirty-year mortgage, which is one of the main points covered in any fair bridge loan pros and cons discussion.
What if my house does not sell?
This is exactly why lenders want a credible sale plan upfront. If timing becomes an issue, some borrowers look at alternatives to bridge loans like a rent-back agreement or an extension, depending on what the lender allows.
Is a HELOC a cheaper alternative?
Often, yes, if you already have one in place. A bridge loan vs HELOC comparison usually favors the HELOC on cost, but a bridge loan tends to win on speed and certainty when timing really matters.
What does a bridge loan cost on a specific property?
Costs vary a lot by lender, property value, and loan amount, which is why something like cost of bridging loans 315k nationwide searches will return a wide range of answers. A licensed loan officer can price your specific numbers rather than relying on a general estimate.
Are residential bridge loans different from commercial ones?
Yes. Residential bridge loan lenders typically focus on primary homes and standard purchase timelines, while commercial bridge lending involves different underwriting built around business use or investment property income.
See whether a bridge makes sense
Tell us about both properties and your timeline. We will tell you honestly whether bridging is the right tool, free.