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    What lenders offer bridge loans?

    Updated October 18, 2026

    Key takeaway

    There is no agreed ranking of bridge lenders, since each engine leads with a different name. ChatGPT starts with Northpointe Bank, Copilot with Kiavi, Gemini with CrossCountry Mortgage and Google AI Mode with Knock, and only a few names such as CoreVest, RCN Capital and Guild Mortgage repeat. They agree that bridge loans come from banks, mortgage companies and private or hard-money lenders, and that the right lender depends on whether you are a homebuyer or an investor.

    Where they differ

    Whether big banks offer bridge loans

      Disagreement (1)

      Major national banks offer residential bridge loans

      Verdict

      There is no agreed ranking of lenders. Copilot names Kiavi, CoreVest, Lima One Capital, RCN Capital and mortgage companies, Gemini leads with CrossCountry Mortgage, and ChatGPT and Google AI Mode describe lender types more than firms.

      What engines actually searched

      The sub-queries each engine actually searched before answering.

      Cited, but not mentioned

      4 sites cite this answer without naming anyone

      Full responses

      5 of 5 engines that answered. Full stored text as captured, with dashes shown as hyphens. Nothing is summarised.

      ChatGPT3,445 characters · October 15, 2026

      Bridge loans are offered by several types of lenders, depending on whether you're buying a new home before selling your current one, financing an investment property, or funding a commercial real estate deal.

      Types of lenders that offer bridge loans

      • Banks and credit unions - May offer short-term financing secured by your existing home or other assets. Some require you to have your current mortgage with them.
      • Mortgage lenders and brokers - Can help arrange residential bridge financing when you need to buy a new property before selling your existing one.
      • Private and hard-money lenders - Often finance real estate investors, fix-and-flip projects, and properties that don't qualify for conventional financing.
      • Commercial real estate lenders - Provide bridge financing for apartment buildings, office buildings, retail properties, and other commercial investments.
      • Specialty bridge lenders - Focus on short-term loans with faster closings and flexible underwriting, usually at higher interest rates and fees.

      Specific bridge loan lenders to consider

      If you're buying a new home before selling your current home

      Northpointe Bank

      Offers residential bridge loans for buying your next home before selling your current primary residence. Its advertised program has loan amounts from $50,000 to $1 million, subject to approval. Bridge Loans | Buy Before You Sell Your Home

      Explore bridge loan options

      Rocket Mortgage

      Discusses bridge financing for homeowners who need to buy before selling. Confirm its current eligibility requirements and availability for your state. What is a bridge loan & how does it work?

      Read about bridge loans

      Knock

      Offers a bridge loan program designed to help homeowners access equity for a down payment and other moving expenses before their old home sells. Knock Bridge Loan™: Use the money “tied up” in your current home to purchase your next one.

      Explore Knock

      If you're financing an investment property or commercial real estate

      Unitas Funding

      New Jersey-based lender in Cranford. Advertises investment-property bridge loans of $75,000–$2.5 million, with terms of 6–24 months. Bridge Loans | Short Term Real Estate Gap Financing Property Lender

      View loan programs

      LYNK Mortgage

      Offers short-term loans for investment properties, including in New Jersey, with advertised terms up to 24 months. Bridge Loans for Real Estate Investors

      View bridge loan options

      GreenBridge Loans

      Provides business-purpose financing for eligible commercial and non-owner-occupied residential properties. Based in Hoboken, New Jersey. Bridge Loans for Commercial Real Estate Investors

      Explore commercial bridge loans

      Let me narrow this down for you

      The best lender depends on the type of bridge loan you need. Are you looking to:

      Gemini logo Gemini5,212 characters · October 15, 2026

      Bridge loans fall into two primary categories depending on your objective: residential bridge loans (for homeowners buying a new house before selling their current one) and real estate investor/commercial bridge loans (for fixing, flipping, or acquiring investment properties).

      1. Residential Bridge Loan Lenders (For Homeowners)

      If you are trying to purchase a new primary residence before selling your old one, traditional national retail banks, large mortgage lenders, and select independent mortgage companies offer short-term swing financing: Bridge Loan | CrossCountry Mortgage

      • CrossCountry Mortgage: Known for offering bridge loans that typically run up to 4 months, allow up to 85% LTV (requiring 15% equity), and often feature interest-only payments. Bridge Loan | CrossCountry Mortgage

      • National Retail Banks & Credit Unions: Major institutions like Wells Fargo, Bank of America, JPMorgan Chase, and U.S. Bank historically provide bridge financing or portfolio-based asset-secured loans for existing banking clients, though availability can vary by region.

      • Specialized Regional Mortgage Lenders: Many local and regional direct mortgage companies offer custom bridge or swing financing tied to your current home equity.

      2. Real Estate Investor & Commercial Bridge Lenders (For Flippers & Landlords)

      If you are looking for short-term capital to acquire, stabilize, or rehab investment properties (residential or commercial), specialized private and portfolio lenders dominate the market:

      What to Consider When Shopping for a Bridge Loan

      • Interest Rates & Fees: Bridge loans carry higher interest rates and origination fees than traditional long-term mortgages because of their short-term nature (typically lasting anywhere from 3 to 12 months).

      • Equity Requirements: For residential bridge loans, lenders generally look for 15% to 20% equity in your current home. For investment properties, lenders evaluate Loan-to-Cost (LTC) or After Repair Value (ARV), often requiring anywhere from 10% to 30% down. Bridge Loan | CrossCountry Mortgage

      • Exit Strategy: All bridge lenders will strictly require a clear, documented exit strategy - such as the verified sale of your current home or refinancing into a permanent DSCR or conventional mortgage.

      Google AI Mode3,401 characters · October 15, 2026

      Bridge loan availability depends heavily on whether you are buying/selling a residential home or dealing with commercial/investment real estate. Major national commercial banks (like Chase) have largely stepped away from traditional residential bridge financing, meaning these loans are primarily sourced through specialized mortgage companies, regional/local banks, portfolio lenders, and private/hard money institutions. What is a Bridge Loan and How Does it Work? - Chase Bank

      1. Residential Bridge Loan Lenders

      If you are trying to buy a new home before your current one sells, look toward these channels:

        • Specialized PropTech & Mortgage Lenders: Companies like Knock (known for its Home Swap program) specialize explicitly in bridging the gap between buying and selling.

      • Regional and Community Banks: Local or regional banks (such as First National Bank) often retain loans on their own balance sheets (portfolio loans) and are much more likely to offer traditional residential bridge financing or home equity-based bridge installments than national mega-banks. Bridge Loans for Home Purchases | First National Bank

      • Independent Mortgage Companies: Lenders like Guild Mortgage or similar regional mortgage brokers frequently maintain specific portfolio products or tie-ins for repeat clients. What Is A Bridge Loan And How Does It Work?

      • Alternative (Asset/Securities-Based): If you have significant assets in investment accounts, wealth management arms like Wells Fargo Advisors offer Securities-Based Borrowing which can act as a rapid "cash-equivalent" bridge without needing a formal residential bridge product. Securities-Based Borrowing Real Estate - Wells Fargo Advisors

      2. Commercial and Investment Real Estate Bridge Lenders

      For commercial properties, multi-family units, or fix-and-flip investments, a robust market of private and institutional lenders exists:

      To help narrow down the right options, tell me:

      • Are you looking for a residential bridge loan (moving from one house to another) or a commercial/investment loan?
      • What state is the property located in?
      Perplexity2,879 characters · October 18, 2026

      For a U.S. home purchase, lenders offering bridge loans include Rocket Mortgage, CrossCountry Mortgage, and Guild Mortgage. Regional banks and credit unions may also offer them, but availability depends on your state and whether you’re buying a primary residence or an investment property.(rocketmortgage)(crosscountrymortgage)(cnbc.com)

      Homebuyer bridge-loan options

      These loans help you buy your next home before selling your current one, typically by accessing equity in the home you’re selling.(rocketmortgage)

      LenderPublished program details
      Rocket MortgageLoans of $45,000–$500,000, with a lower minimum in Michigan; approximately 12-month terms. Its published requirements include a credit score of at least 740 and a debt-to-income ratio of 50% or less. (rocketmortgage)
      CrossCountry MortgageFour-month terms, interest-only payments, and borrowing up to 85% of your current home’s value. Its page lists a minimum credit score of 680 and no appraisal requirement. (crosscountrymortgage)
      Guild MortgageCNBC lists a bridge program with loans of $40,000–$300,000 and six-month terms, unavailable in New York or Texas. Confirm current terms and availability directly with Guild. (cnbc.com)
      Regional banks and credit unionsSome offer homebuyer bridge loans and may require you to finance the new home’s mortgage with them as well. Local availability varies. (cnbc.com)

      Investment or commercial property

      For investment properties, CoreVest offers bridge financing, including revolving credit options. For commercial real estate, AVANA Capital offers bridge financing for acquisition and value-add projects. These are different programs from a homeowner’s buy-before-you-sell loan.(cnbc.com)(avanacapital)

      What to check before applying

      Ask each lender about the full interest rate and fees, repayment deadline, state eligibility, and whether you must use it for your new mortgage. Also ask what happens if your existing home hasn’t sold when the loan comes due: Rocket, for example, states that the principal must still be repaid in full.(rocketmortgage)(bankrate.com)

      What state is the property in, and is this for buying your next home or financing an investment/commercial property?

      Copilot logo Copilot3,916 characters · October 15, 2026

      Bridge loans are offered by both national mortgage companies and specialized private lenders. Common names include Kiavi, CoreVest, Lima One Capital, RCN Capital, Civic Financial Services, CrossCountry Mortgage, and Guild Mortgage. These lenders differ in whether they focus on real estate investors, homebuyers, or commercial borrowers.Best Bridge Lenders in Pennsylvania 2026Best Bridge Loan Lenders in Pennsylvania for Real Estate Investors (2026) | LendingStreetBest Bridge Loan Lenders 2026: Top 7 Compared | LendingStreet2026 Best Bridge Loan Lenders for Homebuyers and Investors

      🔑 Key Considerations Before Choosing a Bridge Loan Lender

      • Purpose of loan: Are you a homebuyer bridging between houses, or an investor financing a fix-and-flip?

      • Speed of funding: Some lenders close in as little as 5–10 days, while others take 3–4 weeks.

      • Loan size: Ranges vary widely, from $40,000 for residential bridge loans to $100M for large commercial deals.

      • Credit requirements: Minimum credit scores typically fall between 620–680.

      • Rates & terms: Interest rates usually range from 6.5%–13%, with terms from 6–36 months.

      📊 Comparison of Selected Bridge Loan Lenders

      LenderTypical RatesMax LTVLoan RangeBest ForSpeed
      Kiavi6.5–12%80%$100K–$3MTech-savvy investors, fix-and-flip10–21 daysBest Bridge Lenders in Pennsylvania 2026
      CoreVest6.5–10%75%$500K–$100MPortfolio investors, build-to-rent21–45 daysBest Bridge Lenders in Pennsylvania 2026
      Lima One Capital7–12.5%80%$75K–$5MNewer investors, construction projects14–21 daysBest Bridge Lenders in Pennsylvania 2026
      RCN Capital6.5–12%80%$75K–$2.5MSmall–mid investors14–21 daysBest Bridge Lenders in Pennsylvania 2026
      Civic Financial Services7.5–12%80%$75K–$5MExperienced investors10–21 daysBest Bridge Lenders in Pennsylvania 2026
      CrossCountry MortgageVariesBased on equity$40K–$300K+Homebuyers bridging between housesFastTrack approval2026 Best Bridge Loan Lenders for Homebuyers and Investors
      Guild MortgageVariesBased on equity$40K–$300KHomebuyers needing hand-holdingStrong customer service2026 Best Bridge Loan Lenders for Homebuyers and Investors

      ⚠️ Risks & Trade-Offs

      • Higher interest rates: Bridge loans are more expensive than conventional mortgages.

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

      • Collateral risk: Often secured against your current property; default could mean losing it.

      • Not ideal for primary residences: Many lenders restrict bridge loans to investment properties.Best Bridge Loan Lenders 2026: Top 7 Compared | LendingStreet

      👉 If you’re a homebuyer , lenders like CrossCountry Mortgage and Guild Mortgage specialize in residential bridge loans. If you’re an investor , firms like Kiavi, CoreVest, Lima One, and RCN Capital are more suitable.

      Would you like me to narrow this down to Philadelphia-based lenders specifically, or give you a nationwide list of the strongest options?