Bridge loan financing
A bridge loan lets you close now and settle up later, whether that means buying your next home before your current one sells or acting on a time-sensitive commercial opportunity. Stop waiting. Start moving.
Licensed mortgage broker · Answer Home Loans, Inc. NMLS #1729528
How a bridge loan works
Close the gap between two deals
Bridge loan programs
The right fit depends on whether you're bridging a home purchase or a commercial and investment deal.
For homeowners who need to close on their next home before their current property sells. Make a non-contingent offer and move on your timeline, not the market's.
Best for: Buying your next home before your current one sells.
For investors, developers, and business owners who need to act on a time-sensitive acquisition or value-add project before permanent financing is in place.
Best for: Investors and business owners acting on a time-sensitive deal.
Not sure which one fits? Talk to a loan officer.
Actual terms, rates, and loan-to-value (LTV) vary by lender and deal structure.
The advantage
Short-term, asset-based underwriting exists for a reason: when timing is everything, conventional financing often can't keep up.
Close on your next property without waiting for your current sale, so you can compete with cash buyers and contingency-free offers.
Approval is built around the property and the exit strategy, not a lengthy income-documentation process. The deal drives the decision.
Bridge financing is built around the timing of the deal rather than the pace of conventional underwriting. When timing is the deciding factor, that matters.
The process
Share the property details, your target closing date, and how you plan to repay the bridge loan: a sale or a refinance.
We work with lenders to evaluate the collateral, loan-to-value (LTV), and exit strategy and structure short-term, interest-only financing.
Once approved, you close, then execute your exit strategy to repay the bridge loan through a sale or a move into permanent financing.
Who we serve
Bridge financing is purpose-built for scenarios where timing and flexibility matter most.
Move forward now. Your current home's equity helps fund the next purchase while the sale is in progress.
Acquire and renovate properties with short-term financing designed for value-add strategies.
Keep a project moving while long-term construction or permanent financing is arranged. Bridge financing fills the gap.
Act on a commercial property or business opportunity before a tight deadline, without waiting on conventional timelines.
A non-contingent offer backed by bridge financing lets you compete without depending on the sale of your existing property.
A new bridge loan can extend your runway while permanent financing or a sale is finalized, helping avoid a forced payoff.
FAQ · Bridge loans
Short-term, asset-based financing for buyers who need to close now, whether that means moving before your current home sells or acting on a time-sensitive investment.
A traditional mortgage is long-term financing underwritten primarily on your income, credit history, and debt-to-income ratio. A bridge loan is a short-term loan structured around the value of the collateral and a credible exit strategy rather than a lengthy income-documentation process. Bridge financing is typically interest-only and carries higher rates that reflect its flexibility. It's designed to solve a timing problem, not to be permanent financing.
An exit strategy is your concrete plan for paying off the bridge loan when it matures. The two most common exits are selling the property (or your existing home) and using the proceeds to repay the loan, or refinancing into longer-term financing once a project stabilizes. Because bridge financing is short-term by design, lenders treat the credibility of your exit strategy as a central part of underwriting.
Timelines vary by lender and deal complexity. Because approval centers on the property's value, loan-to-value (LTV), and exit strategy rather than extensive income documentation, the process is typically more streamlined than conventional underwriting. The biggest factors are the valuation, title work, and how quickly the borrower can provide information about the property and the exit plan.
This is an important risk to plan for. If the exit doesn't happen on schedule, for example if your home takes longer to sell or permanent financing is delayed, you may need to negotiate an extension, arrange a new short-term loan, or face a maturity default. Have a realistic timeline, a contingency plan, and an honest read of market conditions before taking on a bridge loan, and ask about extension options before you need them.
Moving into permanent financing is the most common exit for commercial and investment borrowers. Once the project reaches stabilization (occupancy, income, or another benchmark), you apply for a conventional mortgage, commercial real estate loan, or other long-term loan. For residential borrowers, the exit is usually simpler: once your current home sells, the proceeds pay off the bridge loan. Start arranging permanent financing well before the bridge loan matures.
Mortgage Wholesale provides short-term bridge loan financing for residential and commercial/investment borrowers. Rates, terms, and loan-to-value vary by lender, property, and exit strategy. This is not a commitment to lend. Mortgage Wholesale | NMLS #380097 | Equal Housing Opportunity
See If I QualifyExample scenarios
Illustrative example, not an actual client.
A family found their next home before their current house sold. A residential bridge loan could let them make a non-contingent offer, then repay the loan when the old home sold.
Timelines, rates, and terms vary by lender and borrower profile.
Illustrative example, not an actual client.
An investor had a multifamily deal with a tight closing window. A commercial bridge loan could close on the property's value, then be refinanced into permanent financing after the property stabilized.
Timelines, rates, and terms vary by lender and borrower profile.
Illustrative example, not an actual client.
A developer needed to acquire a site while a construction loan was still being arranged. Bridge financing could secure the land, underwritten on the property and LTV rather than tax returns.
Timelines, rates, and terms vary by lender and borrower profile.
Get started
Tell us about your scenario: buying before selling, a time-sensitive investment acquisition, or something in between. We'll walk you through whether bridge financing makes sense and what the structure might look like.
No-obligation consultation
Asset-based underwriting, not just your tax returns
Both residential and commercial bridge programs
Answer Home Loans, Inc. · NMLS #1729528 · DRE #02058505