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Bridge Loans — Buy Your Next Home Before You Sell

BUY BEFORE YOU SELL · SAN DIEGO & ALL OF CALIFORNIA

The hardest part of moving up is timing. A bridge loan lets you tap the equity in your current home so you can buy the next one now, without a sale contingency weakening your offer.

Who it's for
  • Homeowners upgrading, downsizing or relocating within California
  • Buyers in competitive markets where a contingent offer won't win
  • Investors who need short-term funds to close quickly
How it works
  1. We size your equity. The bridge is secured by your current home, so how much you can borrow depends on what you own free and clear.
  2. You buy the new home. The bridge covers the down payment, and your new mortgage covers the rest.
  3. You sell and pay it off. When your current home sells, the sale proceeds pay off the bridge loan.
Typical guidelines
  • Term: usually 6–12 months
  • Payments: often interest-only, or deferred until your home sells
  • Equity: substantial equity in your current home
  • Credit: good to excellent credit
  • Cost: higher rates and fees than a 30-year mortgage

Guidelines vary by lender and change often. Contact us for a current rate quote.

Why The Loan Me Company

This is where one roof really matters. Because we're both your mortgage broker and your real estate brokerage, the same team can line up the bridge, write the offer on your new home and list your current one. The timeline stays in one set of hands.

 

Bridge loan FAQ
How long do I have to sell?

Most bridge loans run about 6 to 12 months. We'll plan your listing timeline before you buy, so the math works.

Will I have two house payments?

Possibly, for a short time. Many bridges are interest-only or defer payments until the sale, which keeps the overlap manageable.

Are there alternatives?

Yes — a HELOC on your current home, a cash-out refinance, or a sale with a rent-back. We'll compare them with you before you choose.

 

Related loan programs


The Loan Me Company (Loan Me, Co.) · NMLS #2497863 · CA DRE #02220434 · Conor Cappa, Owner/Broker · NMLS #1450916 · CA DRE #02100091. San Diego, CA · Serving clients throughout California · 925-708-7991 · conor@loanmeco.com. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates, terms and conditions are subject to change without notice, and not all applicants will qualify. Guidelines shown are typical ranges and vary by lender. Contact us for a current rate quote. Equal Housing Opportunity.

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The Loan Me Company NMLS 2497863 / CA DRE 02220434 /
 Conor CA DRE 02100091 / Conor NMLS 1450916 / CA DOI 4227687S

©2026 The Loan Me Company (Loan Me, Co.)

Not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility. Programs, rates, and terms are subject to change without notice. Contact us for a current rate quote. Equal Housing Opportunity.

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