Buy Your Next Home
Before You Sell
Turn your home equity into instant buying power. Our digital HELOC bridge funds in 5 days—no contingencies, no bidding wars lost, no double moves.
Currently at 6.8% APR variable rate • Up to 80% CLTV • Interest-only payments • No physical appraisal in most cases
“We owned our home free and clear in Sacramento and found our dream retirement place in Folsom. Emmett got us a $300K HELOC in 5 days. We made a non-contingent offer and won against three other bidders. The HELOC cost us about $1,700/month for the two months until our old place sold—worth every penny.”
Richard & Sandra M.
$300K HELOC Bridge • Free & Clear Home • Sacramento → Folsom, CA
The Catch-22 Every Homeowner Faces
You found your next home, but your equity is locked in your current one. Sellers won't wait for you to sell. A “contingent offer” in today's market is a polite way to lose.
Contingent Offers Get Rejected
In competitive markets, sellers skip over buyers who need to sell first. Your offer goes to the bottom of the pile—or gets ignored entirely.
Sell First, Rent Between?
Selling first means moving twice, temporary housing costs, storage fees, and the stress of house-hunting under pressure. That easily runs $5,000-$15,000.
Bridge HELOC: The Solution
Tap your equity in 5 days, make a non-contingent offer, win the house, move once. Pay off the HELOC when your old home sells. Simple.
The 5-Day Digital Bridge Timeline
No paper. No physical appraisal. No waiting weeks. Our tech-forward process gets cash in your hands fast.
Apply & Verify
Submit your application online. Plaid links directly to your bank accounts—no downloading PDFs, no uploading statements.
AVM Valuation
Our Automated Valuation Model confirms your home's value using real-time comparable sales. No scheduling a physical appraiser.
Approval + Notary
Conditional approval issued. Identity verification and document signing via Zoom remote notary from your couch.
Rescission Period
Federal law requires a 3-day "cooling off" period for home equity products. This is mandatory—we can't skip it, but we've already done the work.
Funds Hit Your Account
The full approved amount is available in your bank account. Time to make your offer.
Bridge HELOC vs. Commercial Bridge Loan
Commercial bridge loans charge high rates and steep origination fees. Our HELOC bridge gives you the same speed at a fraction of the cost.
| Feature | Our HELOC Bridge | Commercial Bridge |
|---|---|---|
| Interest Rate | 6.8% APR variable | 10–12% (often higher) |
| Origination Fee | $0 – minimal | 1.5–3 points ($4,500–$9,000 on $300K) |
| Time to Fund | 5 days | 21–45 days |
| Appraisal | AVM (digital, instant) | Full physical ($400–$600, 1-2 week wait) |
| Doc Requirements | Plaid-verified (no PDFs) | Full doc package (tax returns, W-2s, bank statements) |
| Closing Process | Zoom remote notary | In-person title company |
| Monthly Cost on $300K | ~$1,700/mo (interest only) | ~$2,500–$3,000/mo |
| Total Cost (60-day bridge) | ~$3,400 | ~$9,500–$15,000+ |
| Prepayment Penalty | None | Often 1–3 months interest |
| Max CLTV | 80% | 65–75% typical |
Bottom line: On a $300,000 bridge held for 60 days, our HELOC saves you $6,000–$12,000+ compared to a commercial bridge loan.
Real Clients, Real Numbers
These are actual scenarios showing exactly how the bridge HELOC works—costs, timeline, and outcome.
Retirement Relocation: Sacramento → Folsom
Family Upsizing: Starter Home → 4BR
The Math That Sells Your Agent
When you must sell before you can buy, desperation creeps in. You drop the price $10K, then $20K. Here's why a bridge is cheaper than a price reduction:
Scenario: $450,000 Home, Need to Sell Fast
Plus, without the pressure to sell fast, you can list at full market value, negotiate from a position of strength, and accept the right offer—not just the first one.
Why “Digital” Changes Everything
Traditional bridge loans take 3-6 weeks because every step requires manual human review. Our process automates the bottlenecks.
Plaid Integration
No downloading PDFs or scanning statements. We link directly to your bank accounts to verify income and assets in seconds.
AVM Efficiency
Our Automated Valuation Model uses real-time sales comps. If the data supports it, we skip the $500 physical appraisal entirely.
Title Quick Scan
Instead of a 10-day full title abstract, our system runs an instant digital scan to clear liens and encumbrances in hours.
"For Sale" Designation
The "secret sauce." By showing the property is listed for sale, the lender sees a clear exit strategy—enabling rapid approval and funding.
Your Buyer's Secret Weapon
If you're an agent, the HELOC bridge is the most powerful tool in your arsenal. It transforms equity-rich sellers into non-contingent buyers overnight.
Remove Contingencies
Your buyers compete like cash buyers. No more losing deals because of a “subject to sale” clause.
Save Deals That Fall Through
If a buyer's primary sale falls apart, a 5-day bridge HELOC can rescue the purchase and keep the transaction on track.
No Document Fatigue
Plaid handles bank verification, AVM handles the appraisal, Zoom handles the notary. Your clients sign from their couch.
More Bridge Success Stories
“Our agent said we'd never win a bid with a contingency in Austin. Emmett set up a $200K HELOC on our existing place in Pflugerville. We closed on the new house in Round Rock three weeks before the old one even went on the market. Total interest cost: about $930.”
James & Kelly P.
$200K Bridge • Austin, TX
“I'm self-employed and traditional bridge lenders wanted two years of tax returns and a full appraisal. Emmett's digital process just used Plaid and an AVM. Funded $175K in exactly 5 days. I used it as the down payment on a condo in Denver.”
Maria R.
$175K Bridge • Self-Employed • Denver, CO
“We were relocating from Nashville to Huntsville for my husband's job at Redstone Arsenal. The VA loan on our new place required no contingencies. Emmett bridged us with a $120K HELOC on our Tennessee home. It sold 6 weeks later—total interest cost was $1,360.”
Tamara & Will D.
$120K Bridge • Huntsville, AL + Nashville, TN
Bridge Loan FAQ
Related Resources
Home Equity Options
Compare HELOC vs. Home Equity Loan vs. our exclusive Loan Factory Hybrid.
Learn moreHome Equity Loan Guide
Our complete guide covering rates, requirements, tax implications, and when to choose each option.
Read guideGet Pre-Approved
While you bridge with a HELOC, get pre-approved for the purchase loan on your new home.
Start nowReady to Buy Before You Sell?
Talk to Emmett about your equity position. In most cases, we can tell you within 24 hours how much bridge funding you qualify for—and have the cash in your account within 5 days.
Emmett Clark • NMLS #233747 • Licensed in 18 States