Buying a new home is one of life’s biggest milestones. But for many homeowners, the challenge is figuring out how to purchase their next place while their equity is still tied up in their current one.
Bridge loans provide a simple solution. These alternative loan options give buyers access to their home equity right away, so they can purchase first and sell later.
It’s a timely option, too. Here’s why:
- American homeowners collectively hold over $17.6 trillion in home equity, with nearly $11.5 trillion considered tappable; that’s real spending power waiting to be unlocked.
- On average, homeowners now have around $212,000 in accessible equity, making it easier than ever to fund a new purchase before selling.
- The financial landscape is shifting. Home equity lines of credit (HELOCs) have begun growing again in 2024–2025, reversing a 17-year decline and signaling renewed confidence in home equity as a smart borrowing source.
3 Reasons Why Buyers Choose Bridge Loans
Bridge loans are especially helpful in three situations:
- Making a stronger offer: Sellers love cash buyers, and in many markets, contingent offers are pushed aside. A Bridge loan allows you to look like a cash buyer by removing the sale contingency from your offer.
- Buying before selling: Moving directly into your new home is far more convenient than renting or staying with family while your old house sells. Bridge financing lets you skip the in-between step and move on your schedule.
- Leveraging existing equity: Many homeowners are equity-rich but cash-light. A Bridge loan allows you to use the equity you already have to secure your next home, without draining your savings.
About Bridge Loans By LendSure Home Loans
At LendSure Home Loans, our Bridge loan program is designed with today’s buyers in mind, offering them real advantages in the current market.
One of the biggest benefits is that there are no monthly payments for up to 12 months. Instead of worrying about double payments, borrowers can focus on finding and settling into their new home while their current property is still on the market. Balloon payments are due in six or twelve months, giving families valuable breathing room.
For those wondering how much they can afford, our Bridge Loan Calculator makes the process easy to understand. In just seconds, buyers (and realtors) can see how much buying power they (or their clients) have.
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Our Bridge Loan Options
Our program offers flexibility for both primary residences and investment properties:
- Up to $2,000,000 loan amounts for primary residences and up to $1,000,000 loan amounts for second homes or investment properties
- Up to 75% LTV on loan amounts up to $1,500,000 and 65% LTV for loan amounts between $1,500,000 to $2,000,000
These options allow buyers to move forward with the type of property that fits their goals, whether it’s a dream home, a second home, or the next addition to an investment property portfolio.
Why Realtors and Investors Value Bridge Loans
For realtors, Bridge loans are a way to keep transactions moving. Having the ability to recommend a Bridge loan can make the difference between a client winning or losing a home in a competitive market. It also builds trust, as clients see their agent offering creative solutions that other buyers may not know about. In the end, realtors who understand bridge loans have another way to add value and close deals faster.
For investors, Bridge loans create the freedom to act fast. Instead of waiting for one property to sell before moving on to another, they can purchase immediately and keep building their strategy without losing momentum.
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 Bridge loans for homebuyers and real estate investors.
