Buy Your Next Home Before Selling Your Current Home
A bridge loan may allow you to use the equity in your current home to purchase your next home before your existing property sells.
Avoid the pressure of coordinating two closings, making a contingent offer, or moving twice.
Complete the short survey to receive a personalized review from Kurt Kessler.
No obligation. No hard credit inquiry to complete the initial survey.
See If a Bridge Loan Could Work for You
Answer a few questions to receive a personalized review from Kurt Kessler. No obligation, and no hard credit inquiry to complete the initial survey.
Your information is kept private and is only used to prepare your personalized review.
Move on Your Timeline
A bridge loan may give you the flexibility to move when the time is right for you.
Move Only Once
Purchase your next home before selling your current home. This may help you avoid the cost, inconvenience, and stress of moving into temporary housing and then moving again.
Make a Stronger Offer
A bridge loan may allow you to submit an offer that is not contingent on the sale of your current home, helping your offer compete more effectively.
Prepare Your Current Home for Sale
After moving out, your home can be cleaned, repaired, photographed, and professionally staged without disrupting your family.
Keep Your Home Ready for Showings
An unoccupied and staged home can remain clean and available for showings without constantly rearranging your schedule.
According to the National Association of Realtors' 2025 Profile of Home Staging, 29% of real estate agents reported that staging resulted in a 1% to 10% increase in the dollar value offered compared with similar unstaged homes.
Source: NAR 2025 Profile of Home StagingStaging does not guarantee an increase in value or a higher sales price. Results vary by property and market.
A Simpler Way to Buy Before You Sell
Review Your Equity
We review the estimated value of your current home, your existing mortgage balances, and the funds that may be available.
Build Your Purchase Strategy
We determine how much you may be able to access and how those funds could be used toward your new home.
Purchase, Move, and Sell
You purchase your new home, move once, and then prepare your departing home for the market.
Get a Strategy Built Around Your Move
Kurt Kessler is a Sr. Mortgage Broker with more than 20 years of experience helping homebuyers and homeowners navigate their financing options.
As a mortgage broker with access to more than 200 lender relationships, Kurt can evaluate multiple financing strategies and help you understand the costs, benefits, and tradeoffs before you make a decision.
What Kurt's Clients Say
Frequently Asked Questions
General, educational answers to common questions about bridge loans.
What is a bridge loan?+
A bridge loan is a short-term financing option that may let you access the equity in your current home to help purchase your next home before your existing property sells. It is intended to bridge the gap between buying and selling, and is typically repaid when your current home sells.
How much equity do I need?+
The equity required depends on the lender, the property, and your overall financial picture. Generally, having meaningful equity in your current home improves the options available to you. We have 6 bridge loan options, and we will structure the one that fits you the best. Kurt can review your estimated value and balances to help you understand what may be possible.
Do I need to list my current home first?+
Not necessarily. Depending on your time frame, it may actually be better that your home is not on the market. The right approach depends on your timeline, your equity, and the specific program guidelines.
Can I make an offer without a home sale contingency?+
In many cases, a bridge loan may allow you to make an offer that is not contingent on the sale of your current home. This can make your offer more attractive to sellers, though it depends on your qualifications and the program terms.
How long does a bridge loan last?+
Bridge loans are short-term by design, often structured to last until your current home sells. The exact term depends on the lender and program. Kurt can help you understand the typical timelines that apply to your situation.
What happens if my current home takes longer than expected to sell?+
If your home takes longer to sell than planned, depending on the bridge program (we have 6), you may continue to carry two housing payments during that period. Many bridge loans defer the payments until the departing home is sold. It is important to properly estimate an accurate marketing timeframe when selecting the right strategy. Kurt can help you think through backup options and a realistic timeline before you decide.
Will I have to qualify with both mortgage payments?+
Some strategies/programs don't require it and some do. Kurt can help you understand which options fit your situation.
What costs are associated with a bridge loan?+
Bridge loans may involve costs such as interest, fees, and closing expenses, and they can be higher than traditional financing because they are short-term. Kurt will review the estimated costs and tradeoffs with you so you can make an informed decision.
Are there alternatives to a bridge loan?+
Yes. Depending on your situation, alternatives may include a home equity line of credit, a recasting or refinancing strategy, or other short-term options. Kurt can evaluate several strategies and help you compare them side by side.
Still have questions?