Bridge Loan Programs
Our bridge loan gives you the power to buy your next home without waiting for your current one to sell. Access your home’s equity, secure your dream home with a non-contingent offer, and make no monthly payments on the bridge loan for 12 months.
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Bridge Loan: Program Highlights & Borrower Benefits
Our Bridge Loan bridges the gap for buyers to overcome these obstacles by equipping them with the fast funding they need to close their next property successfully.
This program will pay off your existing mortgage and provide homebuyers a cash-out option to purchase a new home.
When timing matters more than rate — this is your solution.
Program Highlights
Loan Amounts: Up to $2,000,000 (varies on loan to value)
Income Documentation: Full Doc, 12- and 24-month Bank Statement, and Asset Depletion income documentation options
Loan Term: 12 months (short-term structure)
Min Credit Score: 680+ (+720 preferred for better terms)
Property Types: Single family residence, condo, 1-4 units
Maximum LTV: Up to 75% depending on property and exit strategy
Occupancy: Owner-occupied only
Exit Strategy Required: Sale or refinance
Designed for borrowers seeking a faster-moving financing process.
No losing a deal because your property hasn’t sold yet.
No missed opportunities due to capital gaps.
This is short-term leverage — structured correctly.
Program Highlights
Loan Amounts: Up to $2,000,000 (varies on loan to value)
Loan Term: 12 months (short-term structure)
Min Credit Score: 680+ (+720 preferred for better terms)
Maximum LTV: Up to 75% depending on property and exit strategy
Income Documentation: Full Doc, 12- and 24-month Bank Statement, and Asset Depletion income documentation options
Property Types: Single family residence, condo, 1-4 units
Occupancy: Owner-occupied only
Exit Strategy Required: Sale or refinance
Designed for borrowers seeking a faster-moving financing process.
No losing a deal because your property hasn’t sold yet.
No missed opportunities due to capital gaps.
This is short-term leverage — structured correctly.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Transitional Financing Strategic
At Equinox, we understand bridge loans are about execution.
We focus on:
- Clear exit strategies
- Fast underwriting
- Asset strength over paperwork
- Deal structure that protects long-term goals
Whether you’re:
- Buying before selling
- Renovating before refinancing
- Acquiring an off-market deal
- Closing fast to win a competitive bid
We structure the bridge so your next move is already planned.
Because bridge loans aren’t the destination.
They’re the runway.
Why Choose a Bridge Loan?
If the deal is strong but the timing isn’t perfect, bridge financing closes the gap.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
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Application to Closing Conversion
Funded Home Loans
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Application to Closing Conversion
Answers to Your Questions
Why Consider Bridge Financing?
Equinox’s Bridge Financing Program is an all-in-one solution that clears your existing lien and unlocks the cash you need for a down payment on your next home.
- Secure your next home without having to wait for your current one to close.
- Tap into your home’s equity to fund a down payment even before your existing home sells.
- Allows you to make a stronger, non-contingent offer.
What Types of Properties are Eligible?
What Additional Criteria Should I be Aware of?
- There is a balloon payment due at the end of 12 months for primary residences and second homes, and 6 months for non-owner-occupied rental properties.
- Loan amounts are available from $250,000 to $2,000,000
- Our bridge loan program is only available if borrowers use Equinox
- Home Financing to finance the purchase of the new home.
- No monthly payments are required during the bridge financing period.
- Up to 75% loan-to-value (LTV) on the bridge loan, depending on the occupancy and loan amount.
Our Latest Funded Loans
Los Angeles, California
Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount
Tampa, Florida
Bank Statement Loan
25% Down Payment
$475,000 Loan Amount
Plano, Texas
2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount
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