Bridge Loans

What Is a Bridge Loan?

A bridge loan is a short-term real estate loan designed to “bridge” the gap between two transactions—most commonly when you’re buying a new property before selling your current one.

How it Works:

The loan is secured by real estate—often the property being sold, the one being purchased, or both, depending on the required loan-to-value.

It provides quick access to funds, typically within a few weeks.

It’s ideal for:

  • Buyers who haven’t sold their current home but need to purchase a new one
  • Borrowers who need to close fast while waiting on long-term financing
  • Investors looking to secure a deal before permanent financing is available
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Key Features

Short-Term: Usually 6–12 months
Higher Interest Rates: Reflecting the short-term nature and added risk
Flexible Repayment: Often structured as interest-only or with longer amortization to keep payments low
Balloon Payment: As bridge loans are short-term, they include a balloon payment at the end of the term.
Fast Funding: Much quicker than traditional bank financing

A bridge loan is a temporary financing solution—a way to move from Point A to Point B when the timing between buying and selling doesn’t align perfectly.

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