Bridge Loan And CashEdge Program

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Our exclusive portfolio product can help sellers buy and move into another home before they sell their existing residences.
A bridge loan mortgage lending product offers several benefits to individuals who are looking to buy a new home before selling their existing residence. Here are some advantages:
1. Smooth Transition: One of the primary benefits of a bridge loan is that it allows the homeowner to transition seamlessly from their current residence to a new one without the need to move twice. This is particularly advantageous for those who want to avoid the inconvenience and cost of temporary housing or storage.
2. Flexibility in Timing: Bridge loans provide flexibility in the timing of the home purchase and sale. Homeowners can secure a new home without waiting for their current one to sell, enabling them to take advantage of favorable market conditions or find their dream home without the pressure of time constraints.
3. Competitive Bidding Power: Buyers with a bridge loan may have a competitive edge in the real estate market. Since they can make an offer on a new property without being contingent on the sale of their current home, their bids may be more attractive to sellers.
4. Home Improvement Opportunities: Bridge loans provide an opportunity for homeowners to make necessary improvements or repairs to their current residence before selling it. This can potentially increase the property's market value and appeal to potential buyers.
5. Access to Equity: Homeowners can access the equity in their current property to use as a down payment on the new home. This can be particularly useful if a significant portion of their wealth is tied up in their existing residence.
6. Reduced Financial Strain: A bridge loan helps mitigate the financial strain associated with owning two properties simultaneously. It provides a short-term solution to cover mortgage payments on both homes until the existing property is sold.
7. Avoiding Contingency Clauses: Bridge loans allow homeowners to make offers on new homes without contingent clauses related to the sale of their existing property. This can make their offers more appealing to sellers who may be concerned about potential delays or uncertainties.
8. Preserving Homeownership: For homeowners who wish to avoid the inconvenience of renting or temporary housing, a bridge loan enables them to maintain ownership of their current home until the sale is finalized, ensuring a smoother transition.
9. Potential Cost Savings: While bridge loans may come with higher interest rates and fees, the cost could be offset by the potential financial gains made by securing a new property at a favorable price or by avoiding temporary housing expenses.
10. Stress Reduction: Overall, a bridge loan can significantly reduce the stress and logistical challenges associated with coordinating the sale of one home and the purchase of another, providing homeowners with peace of mind during the transition period.
Contact our team for more details of this amazingly helpful and popular loan product!

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"Ryan and his team were fantastic and worked hard to get fast closing. As a first time buyer, Ryan helped me understand each step and helped me feel confident about the process. I will think of him if I'm in the market again, and would recommend him to friends and family."

brian

"Ryan was amazing! My husband and I were first time home buyers and had no idea what to expect or what we could afford. Ryan helped us understand the whole process and made it all feel easy. We closed so quickly on a house we love! "

ali cresta

"When my husband and I decided to buy a home, we were initially overwhelmed by the mortgage process. It seemed complex and intimidating—until we spoke with Ryan. We interviewed several lenders, but Ryan stood out immediately. From our first conversation, he made the entire process feel clear and manageable. He explained every detail in a way that was easy to understand, demonstrating deep expertise and a genuine desire to help. One of the most helpful things he did early on was provide a free cost analysis, complete with a personalized video breakdown—an incredibly thoughtful touch that gave us real clarity on what we could afford. Throughout the rest of our home buying journey, Ryan was consistently responsive, supportive, and an essential partner in helping us secure our home. He brought a level of professionalism and care that made all the difference. We couldn’t be happier with our experience and wholeheartedly recommend Ryan to anyone navigating the mortgage process."

flavia salvadori

"Ryan took the time to explain every step, making sure I understood all my options. His responsiveness was great! No question too small, and he always circled back quickly. It was clear that he truly cared about my financial well-being and was dedicated to making the process as smooth as possible. Thanks again!"

evan savisky

"Ryan and his team are top notch professionals. As new first time home buyers Ryan and his team explained all the things we needed to do to get our mortgage. They answered all of our questions and was available even after closing hours. Great experience and would highly recommend him and his team to anyone else purchasing a home and needing a loan. Thanks Ryan, you Rock!"

starjohv7

"Ryan and David were fantastic to work with -- they really know their stuff and it shows. It's been eye-opening to talk with my friends about buying in this market. They can't imagine being able to afford it, but with the right financial strategy, we could. So grateful that it worked out. "

db34768

"Ryan has been doing this a long time and it shows. He offers multiple different strategies depending on market conditions, walks you through the pros and cons of each and then gives you his recommendation. He answers any questions and works around your schedule. Couldn’t ask for a better lender ."

zac petersen

"Ryan and team helped make it possible for us to close on our house in two weeks. They helped us understand what the process was like and as a first time home buyer I would highly recommend them."

shannon

"I first met Ryan during a weekend first-time home buyers class my wife and I took via Zoom. After that call we knew we needed to use Ryan as our lender. My profession is Financial Planning and I wanted to work with someone who was creative and strategic to help find a solution to put us in position to be competitive. Ryan checked all those boxes and we were able to buy a great home in our ideal neighborhood. We closed on our loan within 1-month of meeting Ryan! Yes, that includes the time it took to get pre-approved, find our home, have our offer accepted and go through underwriting. Impeccable speed. I will be using Ryan for all of our lending in the future and have already referred him business."

nate tepp