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Understanding Bridge Financing- How to Buy a New Home Before You Sell Your Current One

Jan 17, 2026 | Uncategorized

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One of the biggest challenges a homeowner can face when looking to upgrade or move is trying to sell their current home while buying another. If most of your net worth or equity is locked up in your current house, you will need to move it into cash to help fund the purchase of your new home. The alternative is to wait until your home is sold and you receive the funds before trying to buy a new one – but you could end up waiting for months.

The great news is that there are bridge financing options available to homeowners which can help to get things moving. Let’s take a look at how a bridge loan works and how it can help you to buy a new home before your sale is finalized.

So, are you interested in learning what it takes to become a successful house flipper? Read on to learn more about this fun and exciting way to invest in real estate.

How Does A Bridge Loan Work?

First, it is important to note that a bridge loan isn’t the same as your mortgage loan for your new home. Instead, when you take out bridge financing, you’ll borrow against the equity that you’ve built up in your current home. You’ll then be able to use these funds to help cover the costs involved with closing on your new house. Then, when you sell your old home, you’ll use part of the proceeds of that to pay off your bridge loan.

The main benefit you’ll get from this approach is a bit of extra time and flexibility in selling your home. Instead of having to accept a low offer or rush into a sale, you’ll have a bit of breathing room to take the best offer when the time is right.

Try To Avoid Making A Contingent Offer

Your bridge financing can also help you to make the winning bid and close on your new home faster. One piece of advice that some real estate agents and other experts have shared is to avoid making an offer on a new home that is contingent on selling your current home. This is especially true if you are buying in a hot real estate market where there are other buyers competing against you for the same home. If you’re already funded, you can submit an offer to buy the home as soon as the seller is ready.

If you are considering selling your home, be sure to contact us at (970) 406-3595 or email us at amy@expertcashbuyers.com so we can provide you with a Fair Cash Offer on your Boulder & Northern Colorado house.

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Recent Testimonial

  • From Irene D.

    Amy, Thank you for your kindness and understanding. There was some old damage to my house and it needed a new roof and I was overwhelmed. We were not in a place to make the repairs. I'm so grateful for your help and would wholeheartedly recommend your team. -Irene D.

  • From Linda W. & Susie L.

    Hayden and the team went above and beyond to help us with our late father's home. We are out of state and needed to leave a lot of stuff in the house. Thank you for making it easier for us to sell quickly. We appreciate not having to travel back to Fort Collins to empty our Dad's house and we are grateful for your kindness during a difficult family experience for all of us. -Linda W. & Susie L.

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    A big thank you to Amy and her team for all of their assistance with my real estate needs. I would be lost without them! -Todd L.