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NMLS #XXXXXXX · Equal Housing Opportunity

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Loan programs

See all 16 programs

Six purchase programs, each underwritten in our Center City office rather than sold to an out-of-state desk.

Brick front steps of a Philadelphia row homeCompare all purchase programs

Rate and term, cash-out, or a streamline that skips the appraisal. We run the break-even before you apply.

Refinance paperwork being signed at a tableRun the refinance numbers

Second-lien options that leave a low first mortgage rate untouched.

Bright renovated living room with hardwood floorsSee equity options

Qualified on the property, not your tax returns. The reason most of our repeat clients came to us.

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(215) 555-0145

NMLS #XXXXXXX · Equal Housing Opportunity · PA, NJ, DE, MD

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Tools and rates

See every tool

Five working calculators. Every figure recomputes as you type, including the full amortization schedule.

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Sample pricing, the points grid with break-even months, and a line-item closing cost sheet.

Planning a home purchase budget at a laptopSee today's sample rates

Who underwrites your file, where we are licensed, and what clients said afterwards.

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(215) 555-0145

NMLS #XXXXXXX · Equal Housing Opportunity · PA, NJ, DE, MD

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Investor

Bridge loans loans

A non-contingent offer in a market where contingencies lose.

Investor80% across the departing and new properties680
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Historic brick street in an established neighborhood

What a Bridge loans loan actually is

A bridge loan is short-term financing secured against your existing property, your new one, or both, that lets you buy before you sell. In a market where a home-sale contingency puts your offer behind every cash buyer, it converts you into something close to a cash buyer for the length of the transition.

It is interest-only for twelve months with no prepayment penalty, so the moment your old home settles you pay it off and stop paying interest. The honest risk is a property that does not sell. We underwrite the exit before we underwrite the loan: current market conditions for your address, realistic days on market, and a price at which the property genuinely moves rather than the one you hope for.

Best suited to

  • Move-up buyers in a market where contingent offers are rejected
  • Owners whose equity is entirely in the departing property
  • Investors taking down an off-market deal before a refinance completes
  • Anyone who would otherwise sell, rent, and move twice

What comes with the loan

  • Exit analysis on the departing property, with comparable sales and realistic days on market
  • Interest reserve option so you carry no monthly payment during the transition
  • Cross-collateralisation across both properties where it improves your leverage
  • Coordination with the permanent financing on the new home so both close cleanly
  • No prepayment penalty, so an early sale costs nothing
  • Median eleven business day close on a complete file (sample figure)

How a file moves

  1. 01

    Exit first

    We price the departing property against actual recent sales before discussing the bridge. A loan with no exit is not a loan we will make.

  2. 02

    Structure

    Secured against the departing home, the new one, or both. Cross-collateralisation usually gives the most room.

  3. 03

    Approval and appraisal

    Both properties valued. Credit, liquidity and the permanent financing plan reviewed together.

  4. 04

    Closing

    Eleven business days median. You then make a non-contingent offer on the new home.

  5. 05

    Payoff

    Your old home settles, the bridge is paid in full, interest stops. No penalty, no negotiation.

Why borrowers choose it

  • Offer without a contingency

    In this market a home-sale contingency is the fastest way to lose a property you want.

  • No prepayment penalty

    Pay it off the day your sale settles and interest stops that day.

  • Interest reserve

    Carry no monthly payment during the transition by holding the interest at closing.

  • Move once

    No rental in between, no second move, no storage unit for four months.

What to watch out for

  • If the departing property does not sell, you are carrying two mortgages at month thirteen.
  • Twelve months sounds long until a listing sits for ninety days at the wrong price.
  • Rates are materially above permanent financing. This is a transition tool, not a place to stay.

Bridge loans questions we get asked

Still unclear? Call (215) 555-0145 and ask for the investor desk.

All questions

That is the real risk and we will not pretend otherwise. Extensions are available but priced. Before closing we agree on a realistic list price and a reduction schedule, because a property that has not sold in ninety days is almost always a pricing problem rather than a market problem.

You can, or you can take the interest reserve option where twelve months of interest is held at closing and drawn down automatically. Most bridge borrowers choose the reserve so their cash flow is unchanged during the transition.

Up to 80% combined loan-to-value across both properties, less existing liens. If your departing home is worth $450,000 with a $150,000 mortgage and the new one is $700,000, cross-collateralising usually produces the room you need.

Yes. Investors use bridges to take down off-market properties quickly, then refinance into a DSCR loan or sell. The underwriting is the same: we want to see the exit before we make the loan.

Programs worth comparing

Find out if Bridge loans fits

Fifteen minutes, a soft credit pull, and a straight answer about which program actually suits your file.

Start pre-qualification(215) 555-0145

No application fee. Soft credit pull at pre-qualification. Flat $1,095 origination at closing.

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