Bridge Loans
Bridge loans eliminate the stress of contingent purchase offers. Access temporary funds secured by your current home's equity to put down a non-contingent winning offer on your new home before selling the old one.
Homeowners Buying Before Selling & Opportunistic Investors
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Program at a Glance
- Down Payment
- Equity-based
- Credit Score
- Varies (often 640+)
- Occupancy
- Current home / new purchase
- Term
- Short-term (≈ 6–12 mo)
- Property Type
- Residential
Key Program Highlights & Advantages
Allows non-contingent cash-like purchase offers on new property
Short-term loan duration (commonly 6–12 months)
No monthly payment options until current home sells
Cross-collateralization strategies available
Seamless transition to permanent financing
General Qualification Standards
Compare Similar Programs
| Program | Down Payment | Credit Score | Occupancy | Term |
|---|---|---|---|---|
| Bridge Loans | Equity-based | Varies (often 640+) | Current home / new purchase | Short-term (≈ 6–12 mo) |
| HELOC & Home Equity Loans | N/A — equity-based | Varies by lender & program | Primary, 2nd home, or investment (varies) | Revolving + draw/repayment periods |
| DSCR (Debt Service Coverage Ratio) | Often 15%–20%+ (varies) | Often 620–660+ | Investment | 30 yr fixed / interest-only options |
Figures shown are typical ranges and vary by lender, program, and borrower profile.
Rates, terms, and program availability are subject to change without notice and depend on borrower qualification and underwriting approval. This is not a commitment to lend. Contact Oakley Pike for current program guidelines.
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