Bridge Loan Programs

Buy a New Home Before You Sell

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.

Apply Now

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.

Man and boy rolling rug with moving boxes

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

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will 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.

Light blue house exterior

Why Choose a Bridge Loan?

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Homeowners buying before selling their current property
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No monthly payments on the Bridge Loan
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No DTI calculations
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Borrowers waiting on conventional refinance approval
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Buyers competing in aggressive markets
If the deal is strong but the timing isn’t perfect, bridge financing closes the gap.

We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

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?
We have bridge loan solutions for most types of residential properties. Options are available for primary residences, second homes, and rental properties. Contact us today to see if your property qualifies.
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

Take a look at some of the loans we recently funded for our self-employed customers.
LA House

Los Angeles, California

Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount

Spanish Style house

Tampa, Florida

Bank Statement Loan
25% Down Payment
$475,000 Loan Amount

White house front exterior

Plano, Texas

2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount

5 Stars

Check out our Hundreds of 5 Star Reviews

What Are You Waiting For?

Call us today. A licensed representative is on standby to help you with your financing needs. There's no need to wait any longer.
Get financing now!