Yes. When you have found the home and the clock is running, a bridge loan is built for exactly this. It is underwritten upfront, so the hard work is done before the deadline shows up. It can make your offer non-contingent, so the seller is not waiting on your home sale. It is built to close in days, not months. And for buyers who qualify on income, there is a simple structure class with a small flat lender fee instead of points. Nick Nagy at Loan Factory has done this work for 23 years.
Updated August 10, 2026 · Reviewed by Nick Nagy, NMLS 314880The right home does not wait, and neither should your financing. A fast bridge is underwritten upfront. The work happens before you need it. You bring the home. We bring the speed. It should feel effortless, because the effort already happened.
Tell Us Your Deadline Two minutes. No obligation. Nothing published or shared.When two offers are close, the seller does not pick the higher one. They pick the surer one: the one that closes sooner and cleaner. Losing that race is not about your offer. It is about the clock behind it. Three ways the clock beats good buyers, one fix.
The homes worth moving for go in weeks, sometimes days. A loan that moves at bank speed means watching someone else get the keys to the home you found first.
Sellers have their own deadline. When they need to move quickly, they choose the buyer who can. Speed stopped being a bonus. It is the tiebreaker.
An offer that waits on your home sale asks the seller to carry your risk. Most will not. Remove the contingency, and your offer stands on its own.
Most lenders show you one bridge and one pace. We work from a menu of structures and shape the fast one to you. It is underwritten upfront, so when your offer is accepted, the loan is finishing, not starting.
You qualify on your equity and assets, not tax returns. Nothing slows a file down like paperwork you should never have needed.
Your equity does the work. No waiting to free up cash, and your investments stay invested while you move.
No payment while your old home is on the market. The carry comes out of the deal at closing, not out of your month.
No double-qualifying trap. You are not asked to carry both homes on paper, so the approval moves instead of stalling.
$1M to $30M+. When the home you found is a big one, the speed lane does not close on you.
Here is the part most buyers never hear. If you qualify on your income the regular way, with a steady job and solid credit, there is a structure class built to be simple and low-cost: a small flat lender fee instead of points. Quick, clean, and easy on the wallet. The numbers stay in the conversation, because the right structure depends on your move, not on a headline.
Those are the structures. Then we tune the dials: speed, documentation, payments, size, and exit. Your deadline sets the pace, and the structure is shaped around it in one conversation.
A West Los Angeles homeowner found it: a small, charming home near the ocean. So did everyone else. Interest was heavy, and the buyers circling it could move now. Her own home was in a slow sale with weak offers. The ordinary path is sell first, then buy. On that path she watches that home go to someone faster. Full stop.
The bridge made her the fast buyer. She won the ocean home while others were still arranging their money. Then her old home sold empty, staged, and unhurried. At its best.
She qualified on her equity and assets, no tax returns, and she never touched her investments. And here is the part people miss: the speed did not cost her. The sale she was no longer rushing came back stronger than the one she was being pushed into.
One client's real numbers, shared with identifying details removed. Your result depends on your home, your market, and your plan. This is the math we walk through with you before anything is signed.
One bank has one pace. We shop for the fast one.
Speed is not a promise on a poster. It is picking the structure and the source that can actually move on your deadline, from a whole market, not one shelf.
Behind Nick is Loan Factory. One conversation, and your deadline is matched against 236+ lenders to find the structure that meets it.
23 years in mortgage lending · NMLS 314880 · CA DRE 01444600
Nick has spent 23 years on deals with a clock on them. Buyers come to him when the home is found and the window is short. He gets them done, and he gets them done faster.
He is licensed on both sides, lending and real estate, so he sees your whole move at once: the offer, the close, and the sale behind it. Nothing gets discovered late, because he looked early.
Behind him is the full Loan Factory team: processing, underwriting support, and 236+ lenders. You make one call. The machine behind him runs at your deadline's pace.
Yes. That is what a fast bridge is for. It is underwritten upfront, which means the hard work on your file happens before you are in contract. When the seller says yes, your loan is not starting from zero. It is finishing.
A bridge loan turns the equity in your current home into buying power now. You do not wait for your home to sell. You buy the home you found, move once, and sell your old home after you are out.
Take the waiting out of your offer. A home-sale contingency asks the seller to carry your risk, and most will not. A bridge removes that contingency, so your offer stands on its own and closes on the seller's clock.
It means the review of your file happens early, before the deadline shows up. Your income, your equity, and your plan are looked at first, not last. So when the right home appears, you are not filling out paperwork. You are writing an offer.
Yes. Buyers with steady income and solid credit can use a structure class built to be simple and low-cost: a small flat lender fee instead of points. It is quick and clean. We keep the numbers for a conversation, because the right structure depends on your move.
Fast. These loans are built to close in days, not months. We do not print a number of days on a page, because every move is different and a promise should fit your file, not a headline. Tell us your deadline, and we will tell you plainly whether it can be met.