Which lenders offer bridge loans?

Bridge loans are offered by several types of lenders, including banks, mortgage companies, private real estate lenders, and hard-money lenders. The best lender depends on what you need the money for - buying a new home before selling your current one, purchasing an investment property, or financing a business.

Which lenders offer bridge loans?

CrossCountry Mortgage

Offers mortgage financing options that may include bridge loans for buying a new home before selling your existing one.

Website: crosscountrymortgage.com

Guild Mortgage

A mortgage lender worth contacting about bridge financing and other options for coordinating a home purchase and sale.

Website: guildmortgage.com

New American Funding

Offers residential mortgage products; ask whether its current bridge financing programs fit your situation.

Website: newamericanfunding.com

PrimeLending

Another residential mortgage lender to contact about bridge loans and buy-before-you-sell financing.

Website: primelending.com

Northpointe Bank

Specifically advertises a bridge loan for buying a new primary residence before selling your current home. Its published program lists loan amounts from $50,000 to $1 million, subject to eligibility and state availability.

Website: northpointe.com

Sources: NerdWallet's 2026 lender review and Northpointe Bank's published bridge loan program. What Is a Bridge Loan and How Does It Work?Bridge Loans | Buy Before You Sell Your Home

If you need a bridge loan for investment property

These lenders specialize in short-term real estate financing rather than ordinary homebuyer mortgages.

• Kiavi - kiavi.com
• Lima One Capital - limaone.com
• RCN Capital - rcncapital.com
• LYNK Mortgage - lynkmortgage.com

These lenders offer various forms of investor bridge financing, although eligible property types, lending areas, rates, and requirements differ. 7 Best Bridge Loan Lenders For Real Estate Investors (2026)Best Bridge Loan Lenders for Real Estate InvestorsBest Bridge Loan Lenders 2026: Top 5 Compared

Let me narrow it down for you

What type of bridge loan are you looking for?

Bridge loan lenders generally fall into two categories depending on your intent: Residential (Homebuyer) bridge loans for moving from one home to another, and Investment/Commercial bridge loans for fix-and-flips or rental property acquisitions.

1. Residential Bridge Loans (For Homebuyers)

If you are trying to buy a new primary residence before selling your current home, traditional national mortgage lenders and local portfolio banks are your primary options. Major names include:

• CrossCountry Mortgage: Offers residential bridge (swing) loans allowing you to access up to 85% LTV (requiring 15% equity), typically with a 4-month term and interest-only payments. Bridge Loan | CrossCountry Mortgage

• Rocket Mortgage: Provides short-term bridge financing leveraging existing home equity (typically up to $500,000) to assist with down payments and closing costs on a new purchase. Bridge Loan - Rocket Mortgage

• Local & Regional Banks / Credit Unions (e.g., First State Bank, PNC, Citizens, etc.): Many local and regional institutions offer portfolio-backed bridge loans. Because they keep these loans on their own books rather than selling them to Fannie Mae/Freddie Mac, they often have flexible underwriting criteria for local customers.

2. Real Estate Investor & Commercial Bridge Loans

If you are an investor looking for short-term liquidity, fix-and-flip capital, or transitional financing for multi-family/commercial properties, specialized direct lenders dominate the market:

• Kiavi: A tech-enabled direct lender specializing in residential transition loans, fix-and-flips, and bridge financing up to 95% LTC (Loan-to-Cost). Best Bridge Loan Lenders 2026: Top 5 Compared | LYNK Mortgage

• LYNK Mortgage: Known for fast closings (7–15 days) on 1-4 unit residential and multi-family bridge products, with online term sheets and soft credit pulls. Best Bridge Loan Lenders 2026: Top 5 Compared | LYNK Mortgage

• Lima One Capital: Offers national bridge programs ("Bridge Plus" and multifamily bridge) with experienced-based pricing and in-house construction management. Best Bridge Loan Lenders 2026: Top 5 Compared | LYNK Mortgage

• RCN Capital & CoreVest: Popular choices for professional real estate investors looking for asset-backed short-term bridge financing, line of credit options, or broker-referred funding. Best Bridge Loan Lenders 2026: Top 5 Compared | LYNK Mortgage

• Large Commercial Banks (Wells Fargo, Bank of America, JPMorgan Chase, US Bank): For large-scale commercial real estate (CRE) projects, major institutional banks maintain active bridge loan desks.

Key Requirements to Keep in Mind

• Home Equity / LTV: Residential lenders typically require you to have at least 15% to 20% equity in your current property. Bridge Loan | CrossCountry Mortgage

• Credit Score: Most prime residential lenders look for a FICO score of 680 or higher, while commercial/investor bridge lenders may accept scores starting around 620 with higher asset verification.

• Exit Strategy: Bridge loans are short-term (typically lasting 4 to 24 months). Lenders will heavily scrutinize your exit strategy - whether that is the confirmed sale of your current home or a permanent refinance (such as a DSCR loan).

Bridge loans - short-term financing used to cover the gap when buying a new home before selling your current one - are typically offered by national mortgage lenders, regional banks, and specialized direct lenders. Major traditional mega-banks have pulled back on standalone residential bridge financing in recent years, making dedicated mortgage lenders and portfolio lenders the primary choice. Bridge Loan | CrossCountry MortgageBridge Loan | Rocket Mortgage

Prominent Lenders Offering Residential Bridge Loans

• • Rocket Mortgage : Offers bridge financing options allowing qualified homeowners to access existing equity (up to $500,000) for down payments and closing costs on a new home. [Rocket Mortgage]

• CrossCountry Mortgage : Provides residential bridge loan programs with qualification thresholds starting around a 680 credit score and flexible loan-to-value (LTV) options depending on accumulated home equity. [CrossCountry Mortgage]

• Local and Regional Credit Unions / Community Banks: Many regional or local portfolio lenders still write traditional residential bridge loans because they keep the loans on their own books rather than selling them to secondary market investors. It is worth checking with institutions where you already hold a banking relationship.

• Specialized "Buy-Before-You-Sell" Proptech/Fintech Alternatives: Companies like Ribbon , Opendoor (Local programs) , or Homeward function similarly to modern bridge solutions by trading cash offers or advancing equity so you can secure a new home without a contingent offer.

Commercial Real Estate Bridge Lenders

If you are looking for short-term commercial, multifamily, or investment property bridge financing rather than a primary residence, institutional and alternative capital providers dominate the space:

• • Ready Capital : Offers transitional commercial and multifamily bridge loans ($5M–$75M range).

• CoreVest : Specializes in asset-focused bridge financing for residential transition, fix-and-flip, or small-to-mid multifamily portfolios.

• RCN Capital : Provides short-term bridge and stabilized bridge programs for investors handling multi-unit or mixed-use properties. Best Commercial Bridge Loans in September 2026 | LendingTreeMultifamily Bridge Lenders in 2026: How 6 Lenders Compare

Are you looking for a residential bridge loan for your next home purchase, or a commercial/investment property bridge loan? If it's residential, sharing your approximate home equity and target credit range can help narrow down the best fit.

In the U.S., bridge loans are commonly offered by regional banks and credit unions, as well as some mortgage lenders and private lenders. Examples include Guild Mortgage, CrossCountry Mortgage, Knock, CoreVest, Banner Bank, and New American Funding; availability varies by location and loan type.(cnbc.com)(lendingtree.com)(bankrate.com)(nerdwallet.com)

Several national and private lenders offer bridge loans, including Kiavi, CoreVest, Lima One Capital, Civic Financial Services, CrossCountry Mortgage, Guild Mortgage, and Gelt Financial. These lenders specialize in short-term financing for real estate investors or homebuyers who need to “buy before they sell.”

🔑 Key Types of Bridge Loan Lenders

Bridge loans are short-term financing tools (typically 6–36 months) that help cover gaps between buying and selling property or between acquisition and long-term financing. Lenders fall into two main categories:

1. Investor-Focused Private Lenders

   • Kiavi(formerly LendingHome): Tech-enabled, fast closings, $100K–$3M loan range.

   • CoreVest: Specializes in rental portfolios and large deals ($500K–$100M).

   • Lima One Capital: Broad product range, works with newer investors, $75K–$5M.

   • Civic Financial Services: $75K–$5M, strong for experienced flippers.

   • RCN Capital, Easy Street Capital, New Silver, Aloha Capital: All provide nationwide bridge loans with varying speed and credit requirements.Best Bridge Lenders in Alabama 2026

2. Residential Homebuyer Lenders

   • CrossCountry Mortgage: National reach, flexible programs, strong for “buy before you sell” scenarios.

   • Guild Mortgage: Known for customer service, localized support, and gap financing for primary residences.2026 Best Bridge Loan Lenders for Homebuyers and Investors

3. Specialized & Regional Lenders

   • Gelt Financial: Hard money lender, funds unique cases like foreclosure bailouts or 1031 exchanges.

   • Conventus, Center Street Lending, Groundfloor Lending, Accolend, i Fund Cities: Offer bridge loans for residential and multifamily investment properties nationwide.Birmingham Bridge Loans | Compare Multiple Lenders

📊 Comparison Snapshot

⚠️ Risks & Considerations

• Higher interest rates: Typically 8–13%, higher than conventional mortgages.

• Short terms: Usually 6–36 months, requiring a clear exit strategy (sale or refinance).

• Collateral requirements: Often require 30%+ equity in the property.

• Not for primary residences: Many private lenders restrict bridge loans to investment properties only.

👉 If you’re an investor , private lenders like Kiavi, CoreVest, or Lima One Capital are strong options. If you’re a homebuyer , national mortgage companies like CrossCountry Mortgage or Guild Mortgage are better suited.

Would you like me to narrow this down to lenders available in Birmingham, AL specifically, or are you looking for nationwide options?