How to Buy a New Home Without Selling Your Current One First

Explore the power of a using a First Lien HELOC as a Bridge Loan


Are you looking for a short-term financing solution that lets you purchase your next home before selling your current one? If so, using a First Lien HELOC as a Bridge Loan could be the perfect option for you.


Most people think of a HELOC as a second mortgage or a way to tap into equity of your current home; however, another strategy for HELOCs is to use it as a bridge loan to secure a new home before selling your current one.



Bridging the Gap Between Your Current and Future Home


Timing the sale of your current home with the purchase of your next one can be a challenge. Maybe you’ve found your dream home but haven’t sold yet, or maybe you’re hoping to avoid being tied down by a sales contingency. 


This is where using a First Lien HELOC as a bridge loan comes into play.


Unlock Greater Flexibility with a First Lien HELOC


Using a First Lien HELOC as a bridge loan allows you to use the equity in your current home to help fund your next home purchase—without taking on multiple loans or waiting to sell first.


Benefits of a First Lien HELOC


Boost Your Borrowing Power

Access up to 90% loan-to-value (LTV) on your home’s equity.


Simplify Your Debt

Consolidate your first and second mortgage into one flexible line of credit.


Streamline Your Finances

Pay interest only on what you use. Enjoy minimal complexity and maximum control.


How to Qualify


We offer customized underwriting to better serve a wide range of borrowers. 


Here's what you'll need:

  • Minimum 640 FICO score
  • Maximum 90% LTV
  • Minimum loan amount: $50,000
  • Maximum loan amount: $750,000
  • Maximum debt-to-income (DTI) ratio: 45%


We also consider non-traditional income sources, including:

  • Bank statements
  • Asset depletion
  • Additional flexible income documentation options


Built-in Borrowing Flexibility


This is not your typical loan. With a First Lien HELOC:

  • No PMI (private mortgage insurance)
  •  No required draw
  •  No cash-out restrictions
  • No prepayment penalties


An Easier Way to Buy and Sell


Buying a new home doesn’t have to mean rushing or struggling to sell your current one. By using a First Lien HELOC as a bridge loan, you can move forward confidently—on your terms.


Ready to Explore Your Options?


Give us a call or visit us online to see if a First Lien HELOC is the right financing solution for you!





Terms and conditions apply. All loans subject to credit approval.




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