Bridge Loans In Arizona

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What is a bridge loan?

A bridge loan is a short term, limited underwrite loan that bridges the gap between buying a house and qualify & closing on a permanent mortgage. They have fewer underwriting requirements and are faster or more “streamlined” than a standard bank loan.


When to use a bridge loan?

  • You found a house you want to buy, but haven’t sold your old house yet.

  • Last-minute loan decline from a bank and you have no time to resubmit and get approved from another lender.

  • No cash for a down payment but you have lots of equity in your current house. We may be able to use that equity for a “no cash down” scenario.


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Pro's & Con's of a Bridge Loan

  • Pro's

    • Little or no proof of income requirements

    • No Appraisal required (although most lenders will still need some sort of value verification)

    • No minimum FICO requirement

    • No Debt-to-income ratio requirement

    • Shorter wait times for underwriting, processing, and disclosure periods.

    • No impounds added to the monthly payment

  • Con's

    • Bridge loans will require a minimum number of payments prior to payoff (make sure you plan for that in your refinance strategy)

    • These loans only have a 1-year term and can’t be extended, so make sure you have a well-planned “exit strategy” (plan to pay off the loan within 12 months)

Get Qualified for a Bridge Loan

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10031 E. Dynamite Blvd

Suite 230 | Scottsdale, AZ 85262


Arizona Mortgage Broker # MB-0911138

NMLS ID# 162461

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