Bridge Loans

We offer flexible bridge loan solutions designed to help you move forward with your next home before selling your current one. Whether you're navigating a tight timeline, purchasing a new home before your existing property sells, or simply want the flexibility to buy without rushing the sale, our team is here to help you bridge the gap with confidence.

Make your next move without missing the opportunity. Let’s find a financing strategy that fits your timeline and your goals.

Bridge Loans

Buy Your Next Home Before You Sell

Don't let the timing of selling your current home hold you back from your dream home. A bridge loan gives you the flexibility to move on your schedule — not the market's.

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Make a Stronger Offer

Compete with cash buyers and avoid sale-contingency clauses that can cost you the home you want.

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Move on Your Timeline

Move into your new home first, then sell your current one without the stress of overlapping closings.

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Unlock Your Equity Now

Use the equity already sitting in your current home as the down payment on your next one.

Choose Your Bridge Loan
Most Common

Standard Bridge Loan

The straightforward solution. Tap your home's equity to fund the down payment on your new home, with interest-only payments during the bridge period.

Max Loan Amount
$250,000
Up to 80% of your current home's value
  • Interest-only monthly payments — low and manageable
  • Pays off automatically when you sell your current home
  • Works with most conventional financing on your new home
  • New purchase must be financed through SouthShore
Quick Stats
Term90 days
RatePrime + 0.75%
PaymentsInterest Only
Min. Credit Score700+
Max DTI45%
Extensions AvailableUp to 3
Best For
Move-up buyers Hot markets Conventional financing Strong income
No Monthly Payments

Zero Payment Bridge Loan

Carrying two mortgages is stressful. With our Zero Payment option, there are no monthly payments at all during the bridge period — the fee is paid upfront and built in.

Monthly Payment
$0
No payments for up to 90 days (extendable)
  • Zero interest, zero payments during the bridge period
  • Pay off early? Get a credit back for unused days
  • 2.5% origination fee netted from loan proceeds at closing
  • Must use conventional, non-QM, or jumbo financing on new home
Quick Stats
Term90 days
Interest Rate0%
PaymentsNone
Origination Fee2.5%
Min. Credit Score700+
Max Loan$250,000
Best For
Cash flow concerns Self-employed buyers Tight budgets Conventional purchase
FHA Compatible

Hybrid Bridge Loan

The only bridge loan product that works with FHA financing on your new home purchase. Enjoy a below-prime rate and the flexibility to move without waiting to sell.

Rate
Prime − 3.5%
Typically one of our lowest bridge loan rates
  • Compatible with FHA loans on your new home purchase
  • Below-prime interest rate — lower than the Standard product
  • Interest-only payments keep monthly costs manageable
  • 1.25% origination fee — lower than Zero Payment option
Quick Stats
Term90 days
RatePrime − 3.5%
PaymentsInterest Only
Origination Fee1.25%
Min. Credit Score700+
FHA Compatible✓ Yes
Best For
FHA buyers Lower down payments First-time move-ups Rate-conscious buyers

Not sure which option is right for you?

Our team will walk you through every option and find the right fit for your situation — no pressure, no jargon.

Talk to a Loan Officer →