Close on your next home
Bridge Financing Options
Move without delays. Choose a Buy Before You Sell, Dominate with a Cash Offer® , or a Just Missed Bridge Loan®.
- Buy your next home before you sell
- Win bids with a cash-like offer
- Use a short-term bridge loan to buy when you don’t quite qualify for a conventional loan
Trusted by homeowners: $1.5B+ loaned · Licensed in 13 states
Find Your Best Fit
Answer these quickly. We’ll point you to the right program.
- Need to own the next home before you sell? → Buy Before You Sell
- Want a cash-like offer to win fast? → Dominate with a Cash Offer Loan®
- Cover a timing gap, repairs, or a conventional loan qualification issue? → Just Missed Bridge Loan®
- Prefer one move and less stress? → Buy Before You Sell
- Need speed (days, not months)? → Cash Offer or Bridge Loan
Bridge Finance Loans: Quick Definitions
What is Buy Before You Sell?
Buy your next home first, then sell the old one. Make a non-contingent offer, move once, and sell for top dollar without rushing. Payment on your old home is not counted against you for qualification purposes. Just Buy > Move > Sell. Avoids double moves and chaos
Best for: homeowners who want convenience
What is a Dominate with a Cash Offer® Loan?
A short-term loan that lets your offer act like cash. You can close fast, win your dream home, and then refinance on your timeline. You prefer to use our funds to buy rather than liquidate funds at an inconvenient time.
Best for: cash-like offers to beat delays
What is a Just Missed Bridge Loan®?
A short-term, flexible loan to allow you to buy (1) if you don’t qualify for a conventional loan, or (2) cover gaps related to needed repairs on the new home. Designed around your exit plan to refinance or repay after you sell.
Best for: real-world, not-quite-conventional files
Your Bridge Financing Options
Buy Before You Sell
Buy your next home first, then sell on your schedule.
- Non-contingent offer; move once
- You own your new home from day one
- Stage and sell for top dollar
- Option to avoid double payments for a period
Dominate with a Cash Offer® Loan
Win fast with a cash-like, non-contingent offer.
- Close quickly—often in days
- You own your new home from day one
- You prefer to use our funds to buy to avoid liquidity issues
- Refinance on your timeline
Just Missed Bridge Loan®
Short-term, flexible funding for real-world not-quite-conventional files.
- Able to buy even if you don’t qualify for a conventional loan
- Borrower friendly qualification requirements
- Clear exit: sell or refinance
Bridge Financing FAQs
What is a bridge loan?
A short-term loan that helps you move now and sort long-term financing later. It covers timing gaps between buying and selling, repairs, or conventional loan qualification hurdles.
How does bridge financing work?
Apply → get approved for a short-term loan → use funds to buy or cover costs → refinance or repay after your current home sells. It’s designed to be fast and temporary.
How can I make a cash-like offer without cash?
Use a Dominate with a Cash Offer® Loan. It’s a short-term loan that lets your offer act like cash, so you can close quickly and own from day one. It can also be used to buy using our funds so you can avoid having to liquidate assets to buy your new home at an inconvenient time. Then refinance on your timeline.
How do I buy before I sell?
Choose Buy Before You Sell. You purchase the new home first with a non-contingent offer, move once, then sell your old home for top dollar—without rushing.
Is a bridge financing mortgage right for me?
It fits when timing matters: competitive bids, overlapping closings, income docs in flux, or your new home needs work before you can obtain a standard mortgage.
How fast can these options close?
Often days, not months for our Dominate with a Cash Offer® loan and our Just Missed Bridge Loan®. Buy Before You Sell follows a standard closing timeline. Exact timing depends on appraisal, title, and your file.
Will I be stuck with two payments?
Buy Before You Sell offers an option to avoid double payments for a limited period (for well-qualified borrowers). Bridge Loans are interest-only during the term.
Do I own the home at closing?
Yes. With all of our offers at Ribbon (Buy Before You Sell, Dominate with a Cash Offer®, and Just Missed Bridge loan®) title is in your name at close. Bridge Loans also fund your purchase—then you refinance or repay.
What credit or income do I need?
You will need to have solid credit scores, but all of our Bridge Loans use common-sense underwriting. Also, our Just Missed Bridge Loan® is specifically structured to allow you to buy when you don’t quite qualify for a conventional loan. Buy Before You Sell is structured so your old mortgage does not count against you for qualification purposes.
What are the costs and risks?
Expect industry-standard fees, including an origination, appraisal, and interest-only payments on our bridge loans. Risks include short-term debt and the need for a clear exit plan. We’ll outline exact costs on each program page.
You can also read our pricing page
Which option should I pick?
Make one move and maximize your sale price with Buy Before You Sell.
Need a fast, winning offer? Choose Dominate with a Cash Offer®.
Facing timing issues, repair delays, or trouble qualifying for a conventional loan? Explore the Just Missed Bridge Loan®.
Choose your path
Ready to move without delays? Pick the bridge financing option that fits your situation.