← Agent ToolkitHome First Financial

Loan program · Bridge

Buy Before You Sell

A bridge loan unlocks the equity in your current home so you can buy the next one before you sell — write a non-contingent offer, move once, and sell on your own timeline. It is an interest-only loan against the combined value of both properties (up to 65% combined loan-to-value), with terms up to 11 months and no monthly-payment surprises: you pay interest only until your current home sells, then the bridge pays off from the proceeds.

Your next house won't wait for your current one to sell. A bridge loan puts the equity you already have to work — so you write a clean, non-contingent offer, move once, and sell on your own timeline instead of the market's.

Run your numbers

Your equity does the heavy lifting: up to 65% of the combined value of both homes, minus what you still owe. Leave cash down at $0 to see the pure equity play.

Bridge you'd need

$1,400,000

Your ceiling (65% CLTV)

$1,240,000

The request runs $160,000 past the ceiling — add cash down or adjust the target price and watch it clear.

Option A · 9.99% · 2 points

$10,323/mo interest-only

$26,695 points + doc fee at closing · 12.49% APR

Option B · 10.99% · 1.5 points

$11,356/mo interest-only

$20,495 points + doc fee at closing · 12.91% APR

Interest-only on a $1,240,000 bridge, up to 11 months — it pays off from your sale proceeds, whenever you sell.

Estimates for planning only; excludes third-party escrow/title costs. Pricing depends on the full scenario. Not a commitment to lend.

How it works

Unlock

Tap your equity

Borrow against up to 65% of both homes' combined value, before you sell a thing.

Buy first

Make a clean offer

Win the home with a non-contingent offer and move just once. No sale contingency, no rental, no double move.

At the sale

It clears itself

Pay interest only for up to 11 months. When your old home sells, the proceeds pay the bridge off.

Why it wins

1

Make the offer that wins.

In a multiple-offer market, sellers take the clean, non-contingent offer over one that depends on your home selling first. The bridge makes you that buyer.

2

Buy first, move once.

No home-sale contingency, no rental in between, no moving twice. You close on the new home, then sell your current one on your own timeline.

3

It pays itself off.

Interest-only for up to 11 months, with no prepayment penalty. When your current home sells, the proceeds clear the bridge.

The shape of the deal

65%

Combined LTV

borrow against both homes' combined value

11 mo

Max term

interest-only until your current home sells

2

Pricing options

trade rate against points to fit how fast you'll sell

1 move

Not two

buy first, sell on your timeline, skip temporary housing

Interest-only payments, no prepayment penalty. Price it your way: a lower rate with more points, or a higher rate with fewer, to match how soon you expect to sell.

Who it fits

Move-up buyers whose down payment is tied up in their current home, and anyone who needs a non-contingent offer to win.

  • Homeowners who found the next house before selling the current one — and don't want to lose it to a contingent offer.
  • Sellers who want to move once, not twice — no temporary housing between homes.
  • Anyone whose down payment is trapped in their current home's equity.
  • Buyers competing in multiple-offer situations where a non-contingent offer wins.

Straight answers

A short-term, interest-only loan that taps the equity in your current home so you can close on the next one before you sell. When your current home sells, the proceeds pay the bridge off.

Up to 65% of the combined value of both properties, minus what you still owe on your current home. The calculator on this page runs your exact numbers.

Two ways to price it: a lower rate with more points, or a higher rate with fewer points — which one wins depends on how fast you expect to sell. Points and a flat doc fee are due at closing; the monthly payment is interest-only.

No. Most bridge loans pay off in a few months when the departing home sells — that's the design.

In a competitive market, sellers take the clean offer. A bridge turns you into a non-contingent buyer, and you only move once.

Bridge loans are built for speed — typically much faster than a standard purchase loan. Timing depends on the scenario; ask and I'll give you a straight answer for yours.

Your loan officer

Brett Hickman

Home First Financial

Brett Hickman

Mortgage Loan Originator · NMLS #2010859

+19493508005

Text Brett to check eligibility →