Bridge loans up to $250,000
Maximum combined loan-to-value of 85% on the departing primary residence. Existing mortgage debt and the proposed bridge loan are considered together.
Home / Bridge Loans
Bridge Loans
Between two homes? Let’s talk timing.
What does a bridge loan do when buying another home?
A bridge loan provides short-term financing to help cover the gap between buying your next home and selling your current one. Review available equity, fees, overlapping housing payments and the payoff deadline. A delayed sale does not automatically extend the loan, so the repayment plan needs a realistic backup.
Quick answers
Open a question. Read the answer right here.
Can I keep my existing mortgage while buying the next home?
That is the timing gap this option is designed to address. You still need to qualify while carrying the departing mortgage, bridge payment, and new mortgage. We’ll look at the full overlap, not just the new payment.
Can I use it for an investment property?
This specific program is for moving from your current primary residence to a new primary residence. If your plans involve a rental or another property type, we can discuss other options.
What happens if my home has not sold at maturity?
The bridge balance is still due. A renewal must meet the lender’s requirements and be completed before maturity, with an additional fee. We’ll discuss a realistic backup plan before you commit.
What should I bring to the conversation?
Your current mortgage balance, an estimated home value, target purchase price, expected sale and purchase dates, income information, and available reserves. We can compare a bridge loan with selling first or other eligible financing.
Map the gap
Identify when purchase funds are needed and when sale proceeds may arrive.
Review available equity
Discuss existing liens, estimated property value, and available cash.
Understand the cost
Ask about rate, fees, term, and any overlapping housing payments.
Plan the exit
Consider what happens if the sale takes longer than expected.
Program details
Use your equity to help make the move.
Bridge loans from $250,001 to $500,000
Maximum combined loan-to-value of 75%. The available amount depends on your home’s value, existing liens, and qualification.
A coordinated purchase
This bridge option accompanies an eligible conventional purchase loan through the same participating lender. It is secured by your current primary residence to help fund the down payment on your next primary home.
Combined loan-to-value, or CLTV, compares all loans secured by your current home with its accepted value. The program limit is not the amount every homeowner can borrow. This is not a standalone cash-access program.
Program details
What we’ll review together.
Credit and monthly obligations
A qualifying credit score of at least 680 is required. The usual maximum debt-to-income ratio is 45%, including payments on your departing home, bridge loan, and new home. With CLTV below 70%, the limit may reach 50%, subject to underwriting.
Your current home
The bridge loan must be secured by the primary home you are leaving. Eligible property types are a single-family residence, condo, or townhome. Other property types are not eligible for this program.
Value and appraisal
A desktop appraisal with an exterior inspection is generally used. Bridge loans of $400,000 or more require a full third-party appraisal at your expense, with a deposit before the order and additional time for processing.
Program details
The sale plan matters as much as the purchase.
Understand the payoff
This is short-term financing with interest-only payments and a balloon payoff. The outstanding principal comes due at maturity. Interest-only payments do not pay down that balance. We’ll review the full schedule and how the home sale is expected to repay it.
Leave room for a delay
An extension option carries an additional fee and must be completed before maturity. It is not automatic. Before moving forward, we’ll discuss what happens if your home takes longer to sell or sells for less than expected.
Compare the complete cost
Origination, closing, appraisal, and any renewal costs belong in the decision. Associated closing costs may be financed from bridge proceeds, reducing the cash available for your purchase. Ask for the rate, APR, complete fees, and payoff schedule together.
Program details
A few questions before you bridge the gap.
Can I keep my existing mortgage while buying the next home?
That is the timing gap this option is designed to address. You still need to qualify while carrying the departing mortgage, bridge payment, and new mortgage. We’ll look at the full overlap, not just the new payment.
Can I use it for an investment property?
This specific program is for moving from your current primary residence to a new primary residence. If your plans involve a rental or another property type, we can discuss other options.
What happens if my home has not sold at maturity?
The bridge balance is still due. A renewal must meet the lender’s requirements and be completed before maturity, with an additional fee. We’ll discuss a realistic backup plan before you commit.
What should I bring to the conversation?
Your current mortgage balance, an estimated home value, target purchase price, expected sale and purchase dates, income information, and available reserves. We can compare a bridge loan with selling first or other eligible financing.
Program information reviewed September 14, 2026. Not available in every state. Terms and availability may change. All loans require credit, income, property, and underwriting approval. Ask us for current pricing and a personalized repayment plan.
Connections before mortgages
Big plans.
Small questions.
We’re here for both.
Tell us what’s on your mind. Buying, refinancing, or exploring your options starts with a conversation.
✓ Your goals first✓ Room for questions✓ A personal conversation
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