Make your property portfolio work for you, not the other way around. While everyone else waits for bank approval, savvy buyers are using bridge loans to pounce on opportunities.
The harsh reality? In hot markets, sellers don’t care about your financing struggles. They want certainty and speed. A bridge loan lets you leverage existing equity immediately, giving you cash-buyer power without selling your current property first.
Bridge loans are designed as short-term financing solutions that unlock the equity in your current property, giving you the funds to make a strong, non-contingent offer on your next home or investment. By reducing reliance on lengthy sales processes, bridge loans allow you to seize opportunities as they arise.
What Is a Bridge Loan?
A bridge loan is a short-term loan used to “bridge” the gap between the sale of your current property and the purchase of a new one. Unlike a conforming mortgage that requires you to sell your current home first, a bridge loan provides immediate access to cash, enabling you to buy a new property without waiting. This is especially beneficial in competitive markets where sellers prefer buyers with non-contingent offers.
For real estate agents, recommending bridge loans can transform a potentially lost deal into a successful transaction. For investors, bridge financing can be the difference between capturing or missing a high-potential opportunity.
LendSure Home Loans offers a bridge loan program specifically designed for savvy property buyers and investors who understand that timing is everything in real estate:
No Monthly Payments:
- Enjoy up to 12 months without monthly payments*, maximizing your cash flow while transitioning between properties or executing your investment strategy.
Flexible Loan-to-Value (LTV) Ratios:
- Primary Residence:
- Up to 75% LTV on loan amounts between $1,000,000 and $1,500,000
- Up to 65% LTV on loan amounts between $1,500,000 and $2,000,000
- Non-Owner Occupied & Second Homes:
- Up to 65% LTV for loan amounts up to $750,000
- Up to 60% LTV for loan amounts over $750,000
Fast Pre-Qualification:
- Receive full conditional approval typically within 48-72 hours, so you can move quickly in competitive situations.
How Does a Bridge Loan Work?
The bridge loan process is straightforward and designed for efficiency:
- List Your Current Property: Begin by listing your current property for sale. While it’s on the market, you can apply for a bridge loan.
- Apply for the Bridge Loan: Use our Bridge Loan Calculator to determine your available equity, then complete the application process to see how much financing you qualify for.
- Secure Your New Property: With bridge loan funds, you can make a strong down payment on your next property. This allows you to present a non-contingent offer—highly attractive to sellers and a significant advantage in competitive markets.
- Repay the Loan: Once your current property sells, repay the bridge loan using the sale proceeds. The final repayment is typically made as a single balloon payment.
Real-World Applications
Scenario for Borrowers: Your client has found their dream home, but their capital is tied up in their current property. Instead of losing the deal to a cash buyer, you recommend a bridge loan solution. The clients secure their new home with a non-contingent offer, move on their timeline, and sell their previous property without the pressure of a simultaneous closing.
Why Choose LendSure Home Loans?
When timing is critical, LendSure’s Bridge Loan Program offers several distinct advantages:
- Streamlined Process: We’ve optimized our approval process to minimize delays and maximize efficiency
- Flexible Solutions: Our competitive LTV ratios and repayment options match real-world financial realities
- Dedicated Support: Each borrower receives personalized guidance throughout the process
How to Get Started
If you’re ready to leverage bridge loans for your real estate transactions or investment strategy, here’s how to begin:
- Use our Bridge Loan Calculator to estimate your borrowing potential
- Contact one of our lending specialists for personalized guidance
- Complete the streamlined application process
- Receive funding quickly to make your next move with confidence
Fast-Track Your Real Estate Goals with Bridge Financing
In today’s competitive real estate market, bridge loans provide borrowers with a powerful tool to overcome financing obstacles and capitalize on opportunities. By converting home equity into immediately accessible funds, you gain the ability to present compelling, non-contingent offers that stand out from the competition.
With LendSure Home Loans’ bridge loan program—featuring no monthly payments* for up to 12 months, generous LTV ratios, and fast approval—you can navigate complex real estate transactions with confidence and precision.
Take control of your real estate strategy and gain the competitive edge you need in today’s market.
Why Choose LendSure Home Loans?
It’s simple. We make loans that make sense. We’re not in-the-box lenders. Of course, there are numbers, ratios, and data to consider, but we know that behind every file, there’s an individual with unique circumstances seeking a loan.
We’re redefining the mortgage experience one loan at a time. Thanks to our common-sense approach and dedicated lending team, we say ‘yes’ more often to today’s homeowners and investors.
Contact us today to learn more about our Bridge loans.
