Don't lose your next home because you haven't closed on your current one. A bridge loan gives you the short-term capital to move when the right property shows up — on your timeline, not the market's.
Tell us your situation — we'll map out your options
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You're ready to buy but your current home hasn't sold yet. Rather than making a contingent offer — which sellers routinely reject in competitive markets — we fund the gap.
The bridge loan draws on the equity in your current home to fund the down payment or full purchase of your next property. You close clean — no sale contingency.
You're in your new home. Now you can stage, prep, and sell your old property properly — without the pressure of a simultaneous closing deadline.
When your previous home closes, the net proceeds pay off the bridge loan. Any remaining equity is yours. Most bridges are repaid within 3–9 months.
Current home Worth $900,000 with a $400,000 mortgage balance. Available equity: $500,000.
New home purchase price $1,100,000. You want to put 20% down ($220,000) to avoid PMI and get the best rate.
Bridge loan We fund a $220,000 bridge loan against your current home's equity. You close on the new property — no contingency, no delays.
Old home sells for $910,000 After paying off the $400,000 mortgage and $220,000 bridge loan, you walk away with ~$290,000 in net equity.
Bridge loans are short-term by design. Here are the key parameters to know before you apply.
Minimum $100,000. Up to $5M for high-value properties in CA and FL. Loan amount based on available equity in departing residence.
Short-term financing designed to be repaid when the departing property sells. Most borrowers repay within 3–9 months.
Based on the current appraised value of the departing property. Combined debt on the property typically capped at 80% LTV.
Monthly payments during the bridge period are interest-only, keeping your carrying cost manageable while you transition.
Minimum 660 FICO for most bridge programs. Stronger credit profiles may qualify for larger loan amounts or lower rates.
Primary residence, second home, and investment properties. 1–4 unit residential and select commercial properties eligible.
Not every buyer needs a bridge loan — but for the right situation, it's the cleanest solution available.
You've found a property you want and the seller won't wait for your home to sell. A bridge loan lets you close now without a contingency.
Contingent offers lose to clean offers every time. Remove the contingency and compete at the same level as cash buyers.
Selling under pressure leads to price concessions. A bridge loan lets you move out, stage properly, and sell at full market value.
Transitioning equity from one investment property to the next. Bridge financing keeps capital working while you execute your strategy.
Whether you're buying something larger or simplifying, a bridge loan removes the timing pressure of coordinating two simultaneous closings.
Being relocated for work and need to close quickly in a new market before you've sold in the current one. Bridge buys you the time you need.
Tell us your situation — current home value, mortgage balance, and what you're trying to buy. We'll map out a bridge strategy in one call.