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
A bridge loan is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You found the next house before selling this one | The classic case, and a common one in a fast market | All purchase loans → |
| Your offer keeps losing to non-contingent buyers | This is what the product exists to solve | Talk to us → |
| You are an investor between deals | Bridging keeps you moving without waiting on a completion | Fix and flip → |
| You are relocating on a deadline | Job moves and PCS orders rarely wait for a sale | VA loans for PCS → |
| The equity is in the current home | That equity is what the bridge is secured against | Cash out refinance → |
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.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation, including some of the best bridge loan lenders active in your market right now.
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
This is what makes the bridge possible in the first place. Without meaningful equity, there is not much for the lender to secure the loan against.
A credible sale plan
How and when the current property will sell, and at what price, matters a lot to the lender reviewing your file.
Ability to carry both, briefly
Lenders assess whether you can hold two properties at once for a short period of time before the 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 instead, depending on your plan.
A short timeline
Bridge finance is designed to be temporary and priced accordingly, so it is not meant to sit on the books 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
This is really the heart of any honest bridge loan pros and cons conversation, and the same logic applies to the broader pros and cons of bridge loans in general.
If the sale slips, the cost grows
Price the property to sell rather than to test the market. A bridge loan rewards decisiveness, not patience.
You are carrying two properties
Briefly, and deliberately. Be honest with yourself about how long you could realistically hold both if the sale ends up being slower than planned.
Nadeem Bhatti
Where we place bridge loans
Maryland
Virginia
Washington DC
North Carolina
Florida
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.