Alternative Home Loans That Help Buyers Win
Whether you’re buying before selling, competing in a competitive market or looking to use your home equity, Ribbon offers flexible financing solutions designed for real-world situations. Our financing programs are designed to give buyers greater certainty and enable real estate professionals to close more deals.
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Smarter Home Moves
Alternative Home Financing for Real-World Situations
Ribbon Home is an alternative home finance lender owned and operated by Hurst Lending. We help homebuyers and homeowners overcome common financing challenges that traditional mortgage options don’t always solve.
Whether you want to buy before selling your current home, compete with cash buyers, access your home equity or explore flexible financing options, Ribbon provides solutions designed around your situation.
Ribbon works alongside Realtors, mortgage brokers and homeowners to make complex home moves simpler, not more complicated.
Ribbon Home Has Entered a New Chapter
Hurst Lending acquired key Ribbon assets and relaunched Ribbon Home as a dedicated alternative home finance lender. While Ribbon’s previous iBuyer programs have been retired, today’s Ribbon focuses on flexible financing solutions that help buyers move with greater confidence.
Which Financing Solution Fits Your Situation?
| I’m Trying to… | Recommended Ribbon Solution |
|---|---|
| Buy my next home before selling my current one | Buy Before You Sell |
| Make a stronger, cash-backed offer | Dominate with a Cash Offer Loan® |
| Buy when a conventional mortgage isn’t the right fit | Just Missed Bridge Loan® |
| Access funds from my home as I need them | HELOC (Home Equity Line of Credit) |
| Access my home equity without monthly payments | Home Equity Investment (HEI) |
| Finance home improvements or other personal expenses | Home Improvement and Personal Loans |
Our Alternative Home Financing Solutions
Whether you’re looking to buy before you sell, compete with cash buyers, or need a creative way to access your equity, we have the perfect solution for you:
Buy Before You Sell
Buy your next home before selling your current one, helping you move once and avoid the pressure of selling first.
Dominate with a Cash Offer Loan®
Strengthen your offer with financing designed to help you compete more effectively in competitive markets.
Just Missed Bridge Loan®
Alternative financing for buyers who don’t currently qualify for a conventional mortgage but have a clear path to long-term financing.
HELOC
Access your available home equity through a Home Equity Line of Credit, including options for investment properties and eligible non-warrantable condos.
Home Equity Investment
Explore home equity solutions that may suit homeowners with unique financial situations, including hard-to-document income or lower credit scores.
Personal Loans
Finance home improvements, urgent repairs or other personal projects with flexible lending options.
Partner With Ribbon —
Built for Loan Officers
- Earn a commission by brokering our loan products.
- Maintain full control of your borrower relationships
- Close loans even if your client does not qualify for a conventional loan.
- Avoid EPO’s and still earn a loan officer commission with our bridge loans.
Financing That Fits Your Journey
Why Choose Ribbon?
Not every home purchase follows a straightforward path. Ribbon provides alternative home financing solutions designed to help buyers and homeowners move forward when traditional lending isn’t the right fit.
From flexible financing options to specialist support, we’re focused on helping you reach your homeownership goals with greater confidence.
Alternative Financing That Works for Everyone
Flexible Financing Solutions
Whether you're buying before selling, competing with cash buyers or exploring home equity options, Ribbon offers financing designed for real-world situations.
Homebuyers Own From Day One
Unlike some alternative buy before you sell buying programs, you purchase and own your home from day one.
Trusted Lending Expertise
Ribbon is owned and operated by Hurst Lending, an experienced alternative mortgage lender focused on helping borrowers find practical financing solutions.
Available in 16 States
...And Growing. Ribbon currently provides financing solutions across 16 states, with additional markets planned as we continue to expand.
Rated 4.9 Stars by Homebuyers
Our commitment to responsive service and practical financing solutions has earned us an average 4.9-star Google rating from our customers.
Work With Your Existing Realtor
Continue working with the real estate professional you trust while using Ribbon's financing solutions.
Ready to explore your options?
Connect with Ribbon Home and discover flexible financing solutions designed to help you move forward with confidence.
Who We Help
Homebuyers
Buy before selling or strengthen your offer.
Homeowners
Access equity or explore flexible financing.
Realtors
Help clients buy with greater confidence.
Mortgage Brokers
Expand your lending solutions.
How Ribbon's Buy Before You Sell Program Compares
Compare Ribbon’s flagship Buy Before You Sell program with other well-known providers and see how our approach differs.
How Does Getting Started With Ribbon Work?
It’s simple. Three steps and you’re ready to buy a house with a cash offer — even if you don’t have cash saved.
Tell Us What You Want to Achieve
Complete the short form or call us to discuss your situation and goals.
Review Your Financing Options
A Ribbon lending specialist will assess your needs and explain which solutions may be suitable.
Complete Your Application
Provide the required information and receive support throughout the application process.
Move Forward With Confidence
Step 4: Move Forward With Confidence Once approved, use your financing to achieve your property or financial goals.
Hear From Homebuyers We've Helped
Trusted by borrowers across 16 states
*Ribbon Home is owned and operated by Hurst Lending. These verified Google reviews reflect real customer experiences across Hurst Lending’s mortgage and alternative financing programs, including the solutions now offered through Ribbon Home.
Flexible Solutions. Trusted Expertise.
Backed by Established Lending Experience
Ribbon combines innovative financing solutions with the experience and lending expertise of Hurst Lending. Together, we help homebuyers and homeowners navigate property moves and financial situations that may not fit traditional mortgage guidelines.
Our solutions are built for real-world needs, from buying before selling and making cash-backed offers to bridge financing and accessing home equity.
Home Financing Resources
FAQ – Specialty Home Loans with Ribbon
What is Ribbon Home?
Ribbon Home is an alternative home finance lender owned and operated by Hurst Lending. We provide flexible financing solutions that help homebuyers and homeowners overcome situations where traditional mortgage options may not be the right fit.
What makes Ribbon different from a traditional mortgage lender?
Traditional mortgage lenders primarily offer conventional home loans. Ribbon specialises in alternative home financing, including Buy Before You Sell, Bridge Loans, Cash Offer Loans and home equity solutions, helping buyers move forward when timing or circumstances require more flexibility.
Do I own my home when I use Ribbon?
Yes. With Ribbon’s Buy Before You Sell, Cash Offer Loan® and Just Missed Bridge Loan®, you purchase and own your new home from day one. Ribbon provides the financing directly, rather than purchasing the property and renting it back to you.
Who can use Ribbon's financing solutions?
Ribbon works with homebuyers, homeowners, Realtors, mortgage brokers, and loan officers. Whether you’re buying before selling, competing with cash buyers or exploring home equity options, we’ll help identify the financing solution that best fits your situation.
What financing solutions does Ribbon offer?
Ribbon currently offers:
- Buy Before You Sell
- Dominate with a Cash Offer Loan®
- Just Missed Bridge Loan®
- HELOCs
- Home Equity Investments
- Personal Loans
Each solution is designed to address different home financing needs.
Is Ribbon available in my state?
Ribbon currently provides financing solutions in 16 states, with additional markets planned as we continue to grow. Visit our Markets page or contact our team to confirm availability where you live.
How quickly can Ribbon close?
Many Ribbon solutions are designed to move quickly, helping buyers compete more effectively and reduce delays during the home buying process.
Do real estate agents still get their full commission when working with Ribbon?
Yes. Ribbon never competes for your commission. Our programs are built to empower agents, not replace them.
Does Ribbon offer a wholesale mortgage broker program for brokers and lenders?
Yes. Ribbon partners with loan officers, lenders, and mortgage brokers. Visit our wholesale mortgage broker page to sign up to offer Ribbon loans to your clients.
How do I get started?
Simply choose the financing solution that best matches your situation or contact our team for guidance. We’ll explain your options, determine eligibility and help you move forward with confidence.
Ready to Find the Right Financing Solution?
Whether you’re buying before selling, competing with cash buyers, needing to access your home equity or looking for an alternative to a traditional mortgage, Ribbon is here to help you move forward with confidence.
*Loan programs are subject to qualification, underwriting approval, and state availability. Our team will help determine which financing solution is right for your situation.