Short-term flexible financing solution.
A short-term bridge loan is a flexible financing solution designed to cover temporary financial needs — funding construction projects, handling unexpected emergencies, or buying a new home before selling your current one. It provides quick access to capital by leveraging existing equity.
Why borrowers choose a bridge loan.
Quick Access to Capital
Fast funding when you need it most — ideal for time-sensitive opportunities or unexpected expenses.
Leverage Existing Equity
Use the equity you already have in your current property to access funds without waiting for a sale.
Buy Before You Sell
Purchase a new home before selling your current one. Avoid the stress of timing transactions perfectly.
Flexible Qualification
Designed for borrowers with unique situations — construction projects, emergencies, or complex transactions.
Seamless Transition
Once permanent financing is secured or property is sold, the bridge loan is repaid — no long-term commitment.
Strong Non-Contingent Offers
Make competitive offers in hot markets — bridge financing lets you act fast and close with confidence.
Secure your future with bridge and permanent loan approval.
Imagine being approved for a permanent 30-year loan at the same time you obtain your bridge financing. With OptionOne, you get the peace of mind of being fully approved from the start.
That’s right — along with your bridge loan, we’ll issue a full “Take-Out Loan” or permanent financing, ensuring a seamless transition without the uncertainty.
Move forward with confidence, knowing your long-term financing is already in place. No waiting, no uncertainty — just a clear path from bridge to permanent.
When a bridge loan makes sense.
Buying a New Home Before Selling
Purchase your dream home without waiting for your current property to sell. Bridge covers the gap.
Construction Projects
Fund construction or renovation projects while permanent financing is being arranged.
Unexpected Emergencies
Handle financial needs or time-sensitive opportunities without liquidating other assets.
Investment Opportunities
Seize time-sensitive deals with confidence. Bridge provides capital when you need it most.
Transitional Financing
Perfect for borrowers in transition — between jobs, homes, or waiting for permanent financing.
Competitive Real Estate Markets
Make strong, non-contingent offers in competitive markets. Close with confidence.
Frequently asked questions.
A short-term bridge loan is a flexible financing solution designed to cover temporary financial needs, such as funding construction projects, handling unexpected emergencies, or buying a new home before selling your current one. It provides quick access to capital by leveraging existing equity.
You use the equity in your current property to secure short-term financing. Once your permanent financing is secured or your property is sold, the bridge loan is repaid — a convenient and efficient short-term solution.
Yes. With OptionOne, you can secure approval for a 30-year permanent loan at the same time you obtain your bridge financing. We will issue a full Take-Out Loan or permanent financing — ensuring a seamless transition.
Funding construction projects, handling unexpected emergencies, buying a new home before selling your current one, seizing investment opportunities, and covering transitional financing needs.
Bridge loans are designed for speed and efficiency. They provide quick access to capital by leveraging existing equity, allowing you to move forward without delays — often in 3 to 7 days.
Once your permanent financing is secured or your property is sold, the bridge loan is repaid. With OptionOne, you can have your permanent Take-Out Loan approved at the same time as your bridge financing.
If you need short-term financing for a temporary need — such as buying a home before selling, funding a construction project, or handling an emergency — a bridge loan may be the perfect solution. Contact us to discuss your specific situation.
Ready to secure your future with bridge + permanent financing?
Get approved for both at the same time. Move forward with confidence.