Use your primary home's equity as smart bridge financing for down payments or cash purchases. Fast closings with zero in-person appraisal delays.
Tap the equity you've already built in your primary residence to fund the down payment (or the full purchase) on a vacation home or investment property - without liquidating savings or investment accounts.
Found your next home before your current one is under contract? Use your existing equity as bridge funds so you're not stuck making a contingent, weaker offer - then repay it whenever your current home sells.
Sellers favor buyers who aren't waiting on another sale to close.
No "subject to the sale of my current home" contingency weakening your position against other buyers.
Buy when the right property comes up - not only when your current sale happens to close first.
Draw-period interest-only payments during the overlap, paid back whenever your current home sells.
| Traditional Bridge Loan | Equity-Based Bridge |
|---|---|
| 10–12% interest rates | Rates far closer to standard mortgage products |
| 2–3 points in fees | Standard, transparent closing costs |
| 1-year balloon structure | Flexible repayment, interest-only draw period available |
| Slow, specialty underwriting | Fast, digital-first process |
It depends on your home's value and your existing mortgage balance - typically up to 90% combined loan-to-value. We'll walk through your specific numbers directly.
Many borrowers choose interest-only payments during the overlap period, then pay down the balance in full once their current home closes.
Yes, depending on how much equity is available. Cash-equivalent offers can be a major advantage in a competitive market.
Tell us about your current home and we'll follow up with your options.
A member of the Coltrain team will reach out shortly to walk through your options.
See how much of your current equity you could put to work today.
