Bridge-to-Sale Loans | Buy Before You Sell

Loan Factory · Bridge-to-Sale Loans

Buy your next home. Before selling your current one.

Eliminate Contingencies & Move On Your Terms Leverage your existing equity to move forward without waiting for your current home to close. Access up to 60% of your property's equity with a 1-year interest-only loan to eliminate selling contingencies.

$30M+ Max loan amount

60% Max LTV available

680 Min credit score

12 Mos Interest-only term

Bridge-to-Sale Eliminate selling contingencies · No limit on cash-out amounts

$0 Out-of-Pocket Payments Payments made from reserves, not the client's bank account

Flexible Occupancy Available for owner-occupied, second homes, and investments

Streamlined Qualification Ability to Repay (ATR) limits don't apply

The Process

How Bridge-to-Sale Works

1. Unlock Your Equity

We qualify you based on the equity in your current property, not your personal income. Ability to Repay (ATR) limits don't apply, making qualification streamlined and fast.

2. Buy Without Contingencies

Access up to 60% of your property's value immediately. Use these funds to make a strong, non-contingent offer on your next home and secure the deal.

3. Sell On Your Timeline

Take up to 12 months to sell your old home. We build 12 months of interest-only payments directly into a reserve account, meaning you have $0 out-of-pocket payments while you sell.

See If Your Property Qualifies