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Flexible Bridge Loans for Seamless Property Transactions

Secure your next real estate investment before selling your current property. Bridge loans offer quick access to capital and smooth transitions.

Bridge the Gap Between Properties with Fast, Flexible Financing

Are you a real estate investor or homeowner facing a timing challenge in your next property purchase? Do you need to secure your dream home or investment property before selling your existing one? Ameritrust Mortgage offers Bridge Loan solutions to bridge the gap and make your transition seamless.

What are Bridge Loans?

  • Bridge loans, also known as swing loans or gap financing, are short-term loans designed to provide temporary financing during real estate transactions. They allow you to access funds quickly, often within days or weeks, to purchase a new property before your existing property is sold. This gives you the flexibility to move forward with your plans without missing out on opportunities.

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Who Qualifies for a Bridge Loan?

Bridge loans are a versatile financing tool suitable for various borrowers, including:

  • Real Estate Investors: Individuals purchasing investment properties for rental income or fix-and-flip projects.

  • Homeowners Upgrading/Downsizing: Those needing to buy a new home before selling their existing one.

  • Homebuyers Facing Contingent Offers: Buyers whose offers are contingent on selling their current property.

  • Borrowers with Strong Equity: Individuals with significant equity in their existing property, which can be used as collateral.

  • Foreign Nationals: We also offer bridge loans to foreign nationals interested in U.S. real estate.

Benefits of Bridge Loans:

Bridge loans offer several key advantages for borrowers:

Fast Approval and Funding

Fast Approval and Funding

Get access to capital quickly, often within 7-10 business days.

Flexible Terms

Flexible Terms

Loan terms typically range from 6 to 12 months, but can extend up to 24 months.

No Prepayment Penalties

No Prepayment Penalties

Pay off your bridge loan early without incurring additional fees.

Avoid Contingent Offers

Avoid Contingent Offers

Make non-contingent offers on your new home, strengthening your position in competitive markets.

Preserve Your Buying Power

Preserve Your Buying Power

Secure your new property without waiting for your current home to sell.

Interest-Only Payments

Interest-Only Payments

Some bridge loans offer interest-only payments during the loan term, reducing your initial monthly costs.

Key Features of Bridge Loans

  • Loan Term: 6 Months - 60 Months

  • No Tax Return Needed

  • We Lend to Foreign Nationals

  • Closing Time: 7 - 10 Business Days

  • Loan Amount: $75,000 to $9,000,000+

  • Interest Rate: 9.50% to 12.99% (subject to change)

  • Up to 100% Rehab Financing

  • LTC (Loan to Cost): Up to 90%

  • LTV (Loan to Value): Up to 90%

  • No Pre-Payment Penalty

  • Min FICO: 660

Eligible Property Types

  • Single Family Home

  • Condo

  • Multifamily (2-4 units)

  • Mixed Use

Loan Types

  • Purchase

  • Rate & Term Refinance

  • Cash Out Refinance

  • New Construction

  • Land

Why Choose Ameritrust Mortgage?

  • At Ameritrust Mortgage, we're committed to helping you achieve your real estate goals through flexible financing solutions.

  • Expertise:

    Our team has extensive experience in bridge lending and understands the unique needs of borrowers in transition.

  • Speed:

    We prioritize fast approvals and funding to help you secure your next property quickly.

  • Flexibility:

    We offer customizable loan terms to fit your specific situation.

  • Transparency:

    We provide clear and upfront communication throughout the loan process.

  • Customer-Focused Approach:

    We're here to support you every step of the way.

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Have Questions?

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Below you can find the answers to frequently asked questions.

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Stay Connected

+1 ( 888 ) 499 - 9060

info@ameritrust-mortgage.com

Address: 17341 Irvine Blvd., Suite 285, Tustin, CA 92780