What Is Bridge Financing?
(And Why It Changes Everything)
Bridge financing is a short-term loan that "bridges" the gap between buying your new home and selling your current one.
Think of it as a financial tool that gives you breathing room during one of life's biggest transitions.
How It's Different
Traditional Mortgage:
Requires proof of current income
Need to qualify for both mortgages simultaneously
Often impossible for retirees or those on fixed income
Our Bridge Solution:
Uses your home equity, not your income
Leverages what you've already built over decades
Designed specifically for your life stage
What It Costs
Bridge financing typically includes:
Interest on the bridge loan (rates vary based on your situation)
Standard closing costs + Origination Fee
No prepayment penalties—pay it off as soon as your home sells
Most clients find the cost is far less than the stress and potential losses from selling in a rush or settling for less than their home is worth.
Common Questions
What if my home doesn't sell right away? We work with you to create a realistic timeline and pricing strategy. Your bridge loan gives you the flexibility to wait for the right offer rather than accepting the first one out of desperation.
How much equity do I need? Generally, we look for at least 50% equity in your current home, but every situation is unique. Let's talk about yours.
Do I need perfect credit? Not necessarily. Because we're using your equity, we can often work with situations that traditional lenders can't.
Your Questions, Answered!
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Absolutely not. Our solution is actually designed for homeowners 55+ who have built substantial equity. Age isn't a barrier—it's often an advantage because you likely have more equity.
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That's exactly why we created this solution. We use your home equity, not your income, so retirement doesn't disqualify you.
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A HELOC typically requires income qualification and gives you cash, which you'd still need to manage. Our bridge financing is specifically structured for purchasing your next home before selling, with terms designed for this exact transition.
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Your existing mortgage stays in place until you sell your current home. The bridge financing works alongside it, not instead of it.
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Yes. During our consultation and planning phases, there's no obligation. We want you to feel completely confident before moving forward.
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Today! After we’ve had our Confidential Strategy Session (CSS) your max price point will be determined by the estimated equity in the home. We still need a formal application but you can confidently begin looking at homes immediately if the equity fits our criteria.
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Yes! If you already have an agent you trust, we'll work with them. If you need recommendations, we have a network of experienced agents who understand our process.
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We primarily serve California homeowners, BUT we are able to offer “Buying Before Selling” solutions in these states as well: Arizona, Colorado, Idaho, Oregon, Washington, Texas, Michigan, District of Columbia, and Georgia.