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Bridge loans exist to meet immediate cash flow needs during the time between a demand for cash and its availability. While this short-term loan is commonly used in business while waiting for long-term financing, consumers typically only use them in real estate transactions. Specifically, a bridge loan is used to eliminate a cash crunch and “bridge the gap” while buying and selling a home simultaneously.


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A bridge loan is a form of short-term financing that can serve as a source of funding and capital until a person or company secures permanent financing or removes an existing debt obligation. Bridge loans (also known as swing loans) are typically short-term in nature, lasting on average from 6 months up to 1 year, and are often used in real estate transactions. ​

Bridge loans typically have a faster application, approval, and funding process than traditional loans. They give you a new level of buying power, so you’re free to sign a purchase agreement without contingency. Obtain one, and you can effectively use it as a means through which to finance the purchase of a new home before selling your existing one.

There’s a lot to like about a bridge loan, especially in a seller’s market. It can be the difference between buying your dream home and having to accept the second best. Better yet, it can be affordable.


Many bridge loans have no monthly payments. And others require only that you keep up with the interest due. Of course, you have to pay back the borrowing. But you can do that out of the proceeds of the sale of your existing home.

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Hard money bridge loan lenders are asset-based lenders and are most concerned with the value of the real estate as well as the equity the borrower has in the property.


Lenders are also able to lend to borrowers with bad credit and issues including foreclosures, discharged bankruptcies, loan modifications and short sales if the borrower has significant equity within their real estate.

Institutional lenders like banks are much more concerned with a borrower’s income history and credit scores. They will see any issues on a borrower’s record as a red flag and probably deny the bridge loan request.

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