Purchase a new home prior to selling current residence

Compete with cash offers without liquidating assets

Move once, prep + sell your departing residence immediately after close of escrow

Most transactions require no appraisals or income qualification

Once departing residence sells, pay off bridge loan, or replace with standard mortgage financing

Most replacement financing can close within 30 days or less after sale of departing residence

best for: clients who value certainty, speed, and ability to compete with cash offers in highly competitive markets

Short term loans for real estate investment opportunities or business purpose cash out

Can cross collateralize other properties for higher loan amounts

Fast close, compete with cash buyers, seize opportunities

OK for "hairy deals": probate, trust, uninhabitable properties

Best for: experienced investors looking to purchase property or access equity quickly

Purchase or refinance commercial properties or apartment buildings

Use when bank financing would be impractical or unavailable

Replace with long-term financing once property is fully rented (stabilized) or repaired

OK for unusual property types, vacant properties, underperforming rentals

No prepayment penalty. Ideal for fast acquisition, then replace with long-term commercial financing

Best for: experienced investors looking to acquire properties with good upside, without obstacles of traditional commercial lending