What Is a Buy-Before-You-Sell Strategy?
A bridge loan is a short-term loan that unlocks the equity in your current home so you can buy your next home immediately - before you sell. You make one move instead of two, avoid temporary housing, and make stronger non-contingent offers that sellers love. Once your old home sells (typically 6-12 months), you pay off the bridge loan with zero pressure.
How Bridge Loans Work: Explained in 60 Seconds
Watch this quick video to see exactly how bridge loans help you buy your next home before selling your current one. No jargon, just a simple breakdown of the process.
HOW IT WORKS
Get Pre-Qualified
Apply in minutes. We assess your current home's equity and approve you for bridge financing in 24-48 hours. You'll know exactly what you can afford before you start shopping.
Shop with Confidence
Make strong, non-contingent offers on your dream home. You're competing like a cash buyer - which means sellers take your offer seriously and you're more likely to win.
Move Once, Then Sell
Close on and move into your new home while keeping your current home. No temporary housing needed. Then list, stage, and sell your old home at the right price with no pressure or rushed timeline. Your home shows better empty, so you'll often get higher offers. Proceeds pay off the bridge loan automatically at closing.
Why Families Choose Bridge Loans
🏆 Win Competitive Offers
Make non-contingent offers that stand out. Sellers prefer your offer over buyers who need to sell first. In competitive markets like the Bay Area, this gives you the edge to win your dream home.
🚚Move Once, Not Twice
Skip the stress of temporary rentals, storage units, and coordinating two moves. Go straight from your old home to your new one—saving time, money, and your sanity.
📅 Control Your Timeline
Stage and sell your current home AFTER you've moved out - resulting in better showings, faster sales, and higher offers. No pressure, no rushed open houses, no living in a showroom.
Want to Learn More?
Get the Complete Bridge Loan Guide
Get real case studies, cost calculators, and step-by-step timelines used by thousands of families.
Is a Bridge Loan Worth the Cost?
Bridge loans typically cost 2-3% of your home sale price. But here's what most families don't realize: the ROI is huge.
What You Gain:
💰 $10,000-$50,000 more on your home sale by staging and selling an empty, clean house. Vacant homes photograph better, show better, and sell faster - often for significantly more money.
💰 $20,000-$75,000 savings on your new purchase by making competitive, non-contingent offers. Sellers often accept lower offers when there's no home sale contingency, faster close times, and fewer deal risks.
💰 $5,000-$15,000 savings by avoiding double moves, temporary rentals, storage fees, and the stress of coordinating two transactions perfectly. Time is money, and bridge loans save both.
The Bottom Line:
Most families make money using a bridge loan - not lose it. When you factor in the higher sale price on your current home and the negotiating power on your new purchase, the bridge loan often pays for itself twice over.
Why Jim's Bridge Loan Program Stands Out
Most loan officers offer bridge loans. Few have the relationships and industry positioning to deliver:
Premium rates and terms through exclusive lender partnerships
Faster approvals with streamlined underwriting relationships
Higher leverage on existing equity than standard programs
Coordinated execution with top-tier real estate agents
23+ years of trust built with key program partners
The Bottom Line: Jim's bridge loan clients get better terms, faster closes, and white-glove service that comes from decades of relationship building.
Ready To Buy Before You Sell?
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