Bridge Loans — Buy Before You Sell &
Unlock Equity Fast
Access trapped equity in your current property to make non-contingent cash-like offers or secure fast real estate acquisitions.
Flexible short-term financing tailored for homeowners, luxury buyers, and real estate investors needing liquidity without timing delays.
Buy Before You Sell
Tap into equity from your existing home or portfolio to purchase your next property without waiting for a sale to close.
No Home-Sale Contingencies
Structure competitive, non-contingent purchase offers to win high-value residential and luxury properties.
Flexible Short-Term Terms
12 to 24-month interest-only payment options designed to maximize cash flow during your property transition.
High-Leverage & High-Value Limits
Capital solutions scaling up to $5M–$30M+ for residential, luxury homes, and multi-unit investment properties.
See Bridge Loan Options for Your Property
Quick equity-based review — no credit impact, no obligation
Bridge Loan Metrics Received!
Mitchell Dunn is reviewing your property value and equity figures across wholesale lender matrices. Expect a call shortly with exact leverage limits, interest-only options, and non-contingent offer structures!
Understanding Bridge Loans
What Is a Bridge Loan?
A Bridge Loan is a short-term, asset-based financing strategy designed to bridge the gap between buying a new property and selling an existing one.
Instead of waiting for a current home to sell, lenders leverage your existing equity to provide immediate capital, allowing you to make non-contingent purchase offers.
Bridge Strategy: Current Home Equity − Liens = Non-Contingent Purchase Power.
Why Investors & Homeowners Choose Bridge Loans
Buy Before You Sell
Unlock equity in your current property to submit strong, non-contingent cash-like offers.
Fast Closing Execution
Close in as fast as 14 to 30 days to capitalize on urgent market opportunities.
Interest-Only Cash Flow
Keep monthly payments low during property transitions with flexible 12 to 24-month terms.
High-Leverage Equity Access
Access up to 80%–85% LTV with loan amounts scaling up to $5M–$30M+.
Multi-Property & Portfolio Use
Designed for luxury primary homes, 1-4 unit investment properties, and commercial assets.
Bridge Loan Eligibility
Check if your property or purchase scenario qualifies for bridge financing. A quick review helps verify leverage, liquidity, and exit structure — with no obligation.
Eligible Property Types
Single-family homes, 2–4 unit residential properties, luxury estates, and commercial real estate.
Max Loan-to-Value (LTV)
Leverage options typically range from 60% up to 80%–85% LTV based on property value and loan structure.
Flexible Loan Amounts
Loan sizes range from $95,000 to $5,000,000+, scaling up to $30M for jumbo and portfolio scenarios.
Occupancy Options
Available for Owner-Occupied primary homes, second homes, and non-owner investment properties.
Clear Exit Strategy
Requires a defined exit plan, such as the sale of a departing residence, cash payoff, or long-term refinance.
Income & Credit Flexibility
Full documentation, bank statements, or asset-based qualifying available for self-employed and prime borrowers.
How Bridge Loans Work
Step 1 – Equity & Scenario Review
Submit your property details and current mortgage balance to calculate your maximum available equity.
Step 2 – Structure & Terms
We design a customized 12–24 month short-term loan with interest-only payments to preserve cash flow.
Step 3 – Fast Funding
Access funds in 14 to 30 days to make a winning, non-contingent offer on your next property.
Step 4 – Seamless Exit
Sell your departing residence at top dollar on your terms, or transition into long-term permanent financing.
Frequently Asked Questions
Clear answers to help you navigate bridge loan financing.
Q. What is a Bridge Loan and how does it work?
A bridge loan is a short-term, temporary mortgage that allows you to borrow against the equity in your current property. You can use these funds to purchase a new home or real estate investment before selling your existing property, effectively "bridging" the financial gap between transactions.
Q. Why use a Bridge Loan instead of a home-sale contingency?
Home-sale contingencies make purchase offers less competitive, especially in active or luxury markets. A bridge loan gives you cash-like purchasing power so you can make non-contingent offers, win property bids, and sell your current home on your own timeline without rush pricing.
Q. How long is a Bridge Loan term?
Standard bridge loan terms typically range from 12 to 24 months. Many programs offer interest-only payments or payment reserve structures to keep your monthly out-of-pocket costs low while your departing property is listed for sale.
Q. How fast can a Bridge Loan close?
Because bridge loans are asset-based and streamlined, closings can happen in as fast as 14 to 30 days—significantly faster than conventional traditional mortgages.
Q. What is the exit strategy for a Bridge Loan?
The primary exit strategy is paying off the bridge loan using proceeds from the sale of your departing property once it closes. Alternatively, investors can exit by refinancing into long-term financing such as a conventional mortgage or a DSCR loan.
Why Investors Work With Loan Factory
Loan Factory helps clients compare Bridge loan options across multiple lenders, rather than pushing a single program.
See which Bridge Loan options fit your property transition.
A quick review shows how much equity you can unlock to buy before you sell — no home-sale contingencies, no obligation.