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TRUE BRIDGE LOAN

The ‘Have the Cake and Eat it Too’
Loan Program

Now you can take equity from your current home and buy your new house before selling your current one. All at one time, in one process. No need to first cash out refinance or sell you house. 

It’s done in one simple process. 

How This Unique Loan Structure Works

  1. One Application, Two Loans:
    This program combines a cash-out refinance on your current home with the purchase loan for your new home—closed together, underwritten by the same bank, the same underwriter, at the same time. No coordination headaches.

  2. You Only Need to Qualify for One Mortgage:
    You’re approved based on your ability to afford just the new home—not both. The refinance is treated as non-existent for qualification purposes. The bank’s management pre-approves you before you make an offer.

  3. Make Strong, Non-Contingent Offers:
    With our pre-approval in hand, you and your agent can submit a clean, non-contingent offer—without needing to sell your current home first. That makes your offer very strong.

  4. Listing Your Current Home is the Only Requirement:
    Your current property just needs to be listed for sale at least 5 days before closing. It doesn’t need to be under contract or sold—just listed.

  5. Down Payment Funds Are Wired Directly:
    Two days before closing, the refinance funds are wired from the escrow handling your refinance to the escrow for your new home’s down payment. Simple, seamless, and stress-free.

  6. You Control the Timeline:
    There’s no deadline or pressure to sell your home. You stay in control.

This program opens the door for home buyers who have thought they were stuck. No juggling, no hard money, or private loans.


Just smart structuring.

 





 

 

 

 

 

 

 

 

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