For Builders
Sell More Homes
Our Buy Before You Sell and Just Missed Bridge Loans® help you qualify more home buyers and keep your closings on track.
Note: Programs for residential 1–4 unit homes. Not for commercial or large developer projects.
FEATURED IN
why choose us
Why Builders Partner With Ribbon
Our Buy Before You Sell and Just Missed Bridge Loans® help more borrowers qualify and keep your closings on track. We have an option for your in-house or preferred lender to enroll in our wholesale mortgage broker program and earn a commission.
- Grow your pipeline: Sell more homes.
- Fewer cancellations: Buyers can close even if their existing home hasn’t sold yet.
- On-time closings: Construction schedules stay intact and predictable.
- Partnership options for your in-house lender: Your in-house or preferred lender can earn a commission by offering Ribbon’s loans to your clients.
More completions. Fewer surprises. That’s the power of a smart bridge partner.
Solutions Designed for New Construction
Every buyer’s situation is different—but your deadlines can’t wait.
That’s why we offer flexible Alternative Home Finance programs designed to help builders close more sales and your in-house/preferred lender make more profit.
Just Missed
Bridge Loan®
Use when: The buyer cannot qualify for a conventional loan or their previous home sale falls through.
Builder benefit: Helps you sell more homes and prevents the deal from collapsing at the finish line.
Buyer win: Ability to close even if they don’t qualify for a conventional loan and still move into their new home as planned.
Buy Before You Sell Bridge Loan
Use when: The buyer wants to start their new build without waiting for their current home to sell.
Builder benefit: Approvals that protect your construction start dates and closing timelines.
Buyer win: They can move once—no temporary housing, no rushed sales, no missed build slots.
Avoid EPO Bridge Loan (Imminent Payoff Scenarios)
Use when: The buyer’s payoff is imminent, and your in-house or preferred lender wants to protect themselves from early payoff penalties or investor repurchase demands.
Builder benefit: Maintains your lender relationships and transaction insights without triggering EPO issues.
Buyer win: Provides short-term cash-out flexibility while keeping their new-build timeline intact.
Program Comparison
| Feature | Just Missed Bridge Loan® | Buy Before You Sell Bridge Loan | Avoid EPO Bridge Loan |
|---|---|---|---|
| Primary builder benefit | Sell more homes and qualify more borrowers | Start builds without waiting for a home sale | Your in-house or preferred lender can protect themselves from early payoff penalties |
| Buyer advantage | Buy even if they don't quite qualify for a conventional loan | Move once—no temporary housing or rushed sale | Short-term financing flexibility when payoff is imminent |
| Steps | Short-term bridge → refinance when conventional loan impediment is resolved | Short-term bridge → refinance when old home is sold | Short-term bridge → allows payoff at anytime with no EPO penality |
| Take Out Loan | Ribbon directs client back to your in-house or preferred lender | Ribbon directs client back to your in-house or preferred lender | No take out loan required |
| Property type | Residential 1–4 units and townhomes | Residential 1–4 units and townhomes | Residential 1–4 units and townhomes |
We do not finance commercial or large multi-unit development
How It Works: Simple, Fast, and Builder-Friendly
We know construction timelines can’t wait. Our bridge loans are built to keep your schedule moving—from the initial application to the final handoff.
Apply
We review the build contract, current home and target dates.
Approval
A short-term facility (Just Missed, Buy Before You Sell, or Avoid EPO) is matched to the buyer’s situation.
Close on time
Your milestones stay intact; buyers move forward without waiting on a sale.
Smooth handoff
Once ready, we transition the buyer to long-term financing—either through your in-house or preferred lender.
Proven Results for Builders and Buyers
Across our partner communities, builders using Ribbon’s bridge loan programs see stronger pipelines and smoother closings.
Fewer cancellations, faster approvals, and more predictable timelines—so you can hand over more homes on schedule.
Frequently asked questions, answered
Do you work with our in-house lender?
Yes, your in-house or preferred lender can earn a commission by offering Ribbon’s loans to your clients.
Are these loans for commercial or developer projects?
No. We finance residential 1–4 unit new builds and townhomes.
Can this help if a deal just fell through?
Yes—that’s exactly what our Just Missed Bridge Loan is for. It keeps the closing alive and protects your construction schedule.
What if the buyer’s payoff is imminent?
The Avoid EPO Bridge Loan offers short-term flexibility, helping your in-house or preferred lender avoid early payoff penalties or investor repurchase demands.
Ready to Keep Every Build on Track?
Keep your sales steady and your closings smooth with bridge loan solutions made for residential builders and your in-house or preferred lender.
Whether a buyer just missed their sale, needs more time, or has an imminent payoff—we’ve got a program that fits.
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