Bridge Loan · Buy Before Sale

Buy Before Sale

Unlock the equity in the home you own so you can buy the next one first.

The trap in moving is that the down payment for the next house is locked inside the current one, and a sale contingency makes your offer weak. This releases the equity before the sale.

You buy, you move, then you sell on your own schedule instead of accepting the first offer that appears because the clock is running.

Qualifies on
Equity in the home you own
Existing mortgage
Stays in place
Maximum combined LTV
80% of the departing residence
Term
12 months, interest only
Repaid by
The sale of the departing residence
Double payments
Avoidable in most structures — we model it before you commit

How it works

Three steps

01

Value the home you own

Appraisal or BPO establishes the equity available.

02

Draw what you need

Enough for the down payment and closing costs on the new house.

03

Sell, then repay

The bridge closes out of the sale proceeds.

Questions

Asked on nearly every call

Will I carry two mortgages?

Briefly, in some structures — and we show you that cost in dollars before you sign, not after.

What if the sale takes longer than a year?

Extensions are available. We set the term with the local days-on-market in mind rather than assuming a fast sale.

Guidelines shown are typical for this programme and are not a commitment to lend. Overlays vary by investor and change without notice; your file is priced and approved on its own facts.

Start Now and close in fifteen days.

Three minutes of questions and you'll see whether this programme fits — no credit pull.