Bridge Loans

A bridge loan covers the gap when you find the next house before your current one is sold. You use equity in the home you already own to fund the down payment and keep your offer competitive, instead of waiting on a sale or writing a weak contingency.

Kim maps the numbers first: remaining mortgage, usable equity, carrying costs on both homes, and how quickly the current house is likely to sell. That tells you whether a bridge is the right tool or whether a different structure (temporary financing, a delayed close, or a sale-first plan) is cleaner.

When a bridge loan helps

• You found the next home and cannot wait for your current house to close.
• You want to write an offer without a home-sale contingency.
• You have enough equity to cover the down payment and overlapping payments for a short window.

What Kim reviews with you

Timing, equity, monthly overlap, and exit strategy. The goal is a short, clear plan so you are not carrying two homes longer than you intended. If a bridge is not the right fit, Kim will say so and point you to a cleaner path.

Licensed in Pennsylvania and Connecticut. Based in Cranberry Township.