Bridge Loans
Bridge Loans
Built for Investors.
No waiting, no missed opportunities.
Fast, flexible bridge financing that keeps your real estate goals moving forward — without the wait.
Bridge Loans
What is a
Bridge Loan?
A bridge loan is short-term financing designed to “bridge the gap” between buying a new property and selling or refinancing another. Investors and homeowners use bridge loans to act quickly, secure properties, and leverage equity before permanent financing is ready.
At New Century Mortgages, our bridge loans are built for speed and flexibility — helping you close in days, not months, and keep your investment projects on track.
Use a Bridge Loan To:
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- Purchase a new property before selling an existing one
- Finance renovations prior to refinancing
- Access short-term capital for time-sensitive opportunities
- Avoid missing out on competitive real estate deals
Quick Benefits
- No Personal Income Verification
- Qualify Based on Property Performance
- Build and Scale Your Investment Portfolio
- Fast, Streamlined Closings
- Flexible Loan Options
- Works for Short-Term and Long-Term Rentals
- Keep Personal and Business Finances Separate
Frequently Asked Questions
How long are bridge loans?
Most terms range from 6 to 18 months, depending on your strategy and exit plan.
How much can I borrow?
Typical loan amounts range from $150,000 to $5 million+, based on property value and equity.
Do I need perfect credit?
No. Bridge loans focus primarily on collateral and deal strength, not just credit scores.
Can I use a bridge loan for investment properties?
Absolutely. They’re ideal for flips, rehabs, and time-sensitive acquisitions.
What’s my next step?
Fill out the Quick Quote Form or call to connect with a New Century Mortgages Bridge Loan Specialist today.
DSCR Loans
Qualify based on property cash flow, not personal income. No minimum DSCR required. Rates from 6.25%.
Bridge Loans (Fix & Flip)
Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.
New Construction
Ground-up construction financing for experienced builders. Build to rent or build to sell. Competitive terms for infill development.
Hard Money / Asset Based
Loan decisions based on property value, not credit. Construction draws in 4 days. Quick approvals for time-sensitive deals.
Portfolio Loans
Consolidate 5+ rental properties into one loan. Single payment, better cash flow. Lower rates and origination fees.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, industrial. Financing for stabilization and value-add projects.