Bridge and Transition Loans for Floridians
Buy Your New Home Before You Sell the Old One
If you’re trying to buy a new home while still owning your current one, a bridge (or transition) loan can remove the biggest obstacle: timing. This program allows you to leverage your current home’s equity so you can move forward confidently — without waiting to sell first.
For Florida buyers navigating competitive markets or tight timelines, this can be the difference between missing out and winning the home you want.
What Is a Bridge (Transition) Loan?
A bridge loan is a short-term financing option that lets you use the equity in your current home to help purchase your next one — before your existing home is sold.
Instead of juggling sale contingencies or temporary housing, this loan “bridges the gap” between homes so you can move once, on your timeline.
These loans are commonly used when:
You’ve found the right next home
Your current home hasn’t sold yet
You want stronger negotiating power as a buyer.
Who Bridge Loans Are Best For
Bridge loans are often a great fit for:
Homeowners with strong equity in their current home
Buyers purchasing a new primary residence before selling
Sellers who want to avoid rushed or discounted sales
Buyers competing in fast-moving Florida markets
Homeowners relocating or upsizing with overlapping timelines
If you’re financially qualified but timing is the issue, this program is worth a closer look.
How Buying Before You Sell Works
With a bridge loan, your current home’s equity can be used to help fund:
Your down payment on the new home
Closing costs
In some cases, a significant portion of the purchase price
You can close on your new home first, move in, and then sell your existing home afterward — often within a 6–12 month transition period.
Once your old home sells, the loan is paid down or refinanced into a long-term mortgage.
Why Bridge Loans Create “As-Good-As-Cash” Offers
One of the biggest advantages of a bridge loan is removing the home sale contingency.
This means:
Your offer is not dependent on selling your current home
Sellers see your offer as stronger and more reliable
You’re far more competitive in multiple-offer situations
In many cases, this makes your offer as attractive as a cash buyer, without needing to actually pay cash.
Loan Terms & Flexibility
While each scenario is evaluated individually, bridge loans typically offer:
Short-term options (often 6–12 months)
Flexible repayment during the transition period
No requirement to sell your current home before closing
A clear exit strategy once your existing home sells
This program is designed for real-world transitions — not rigid timelines.
How Bridge Loans Compare to Other Options
Compared to other approaches, bridge loans offer clear advantages:
Vs. Sale contingencies: Stronger offers, fewer delays
Vs. HELOCs: Higher loan amounts and fewer limitations
Vs. Renting or temporary housing: One move instead of two
Vs. Cashing out retirement or investments: Preserve liquidity
For many homeowners, this is the cleanest way to move forward without compromise.
Talk With a Florida Mortgage Professional
Bridge loans aren’t one-size-fits-all — but when they fit, they can completely change your buying experience.
If you’re considering buying a new home before selling your current one, let’s walk through your numbers and timeline together.