Bridge Star Loan

At a glance

Pays off your existing loan and provides cash needed for the down payment on the new home — so you can buy before you sell, without a contingency that kills the offer.

Program highlights

• Pays off existing loan
• Cash for new down payment
• Short-term bridge financing
• Non-contingent offers on the next home
• Refinance into a permanent loan after the old home sells

How funding works

1. Tell us the current home value, mortgage balance, and target purchase price
2. We size the bridge to pay off the existing loan + fund the down payment
3. Close on the new home with a non-contingent offer
4. Sell the old home and refinance into a permanent mortgage

Worked scenarios

Move-up buyer with $300k equity

Borrower: Selling a $500k home with $200k mortgage, buying $750k

Property value: $750,000 · Loan amount: $450,000

Outcome: Bridge funds the down payment from current equity — no sale contingency on the offer.

Why this program

In competitive markets, sellers reject contingent offers — a bridge loan turns you into a cash-equivalent buyer.

Bridge loans are short-term by design (typically 6–12 months); the refinance into a permanent loan happens after the old home closes.

Pricing is higher than agency loans because of speed and short term — but you only pay it for a few months.

Frequently asked

How long is the term?

Short-term, typically 6–12 months — meant to bridge until your existing home sells.

Can I make a non-contingent offer?

Yes — that's the whole point of the program.