How it works
Bridge financing gives you short-term access to the equity in your existing home so you can make a clean, non-contingent offer on the next one. In competitive mountain and metro markets, that timing advantage often matters more than anything else in your offer.
What defines this program
- Short-term financing secured by existing equity
- Supports non-contingent offers
- Exit typically via sale or permanent refinance
Common fits
Questions borrowers ask
What happens if my house takes longer to sell?
Every bridge structure needs a defined exit plan before you commit. I build the timeline and contingency plan with you rather than after the fact.
Who are bridge loans usually a good fit for?
Most often move-up buyers, relocating families, competitive-offer situations. That list isn't a rule, though — plenty of files land here for reasons that don't show up on a bullet point, so it's worth asking even if you don't see yourself on it.
What should I have ready before we talk about bridge loans?
Nothing formal. Tell me the property type and where it is, whether it's a purchase or refinance, how you're paid, and roughly what you're working with for down payment or equity. That's enough for me to tell you which direction actually makes sense before you pull documents together.
What will my terms look like?
Pricing, structure and qualifying guidelines vary by lender, property, occupancy and your full financial picture — and they change often. Rather than publish numbers that may not apply to you, I review your scenario directly and walk you through the real options available for it.
This page intentionally avoids quoting rates, down payments, credit-score minimums or underwriting requirements. Guidelines differ by lender, property type, occupancy and borrower profile — and they change. April Ramker reviews your scenario and tells you what applies to it.