Yes. You can buy your next home before you sell this one. It is called a bridge loan. Ours are built for Southern California estates from $1M to $30M+. You can qualify on your equity and assets, with no tax returns. One structure carries zero monthly payments while your home sells. Nick Nagy at Loan Factory has done this work for 23 years.
Updated August 10, 2026 · Reviewed by Nick Nagy, NMLS 314880Your home draws real interest. The home you want simply moves faster than yours can sell. That is a timing problem, not a you problem. A bridge loan fixes the timing.
See Your Options Two minutes. No obligation. Nothing published or shared.Fine homes take time to sell well. The homes worth moving for do not wait. So accomplished owners end up in a corner that has nothing to do with how well they run their lives: they will not list until they find the next home, and they cannot win the next home until they sell.
Rushed listings and lived-in showings sell below what a home is worth. An empty, staged home shown any time sells at its best.
When the estate you actually want comes up, the buyers who can move now win it. A sale contingency puts you at the back of the line.
You buy first. You move once. Then your home sells on your schedule, at its best, with no pressure to take a weak offer.
Most lenders show you one bridge and one set of rules. We work from a menu of structures, then shape the right one to you.
You qualify on your equity and assets, not tax returns. Built for owners whose wealth is bigger than their paperwork.
Your investments stay invested. You do not liquidate a portfolio to buy a house.
No payment while your home is on the market. The carry comes out of the deal at closing.
No double-qualifying trap. You are not asked to carry both homes on paper.
$1M to $30M+. Most bridge programs stop near $2M. Ours are built past it.
Those are the structures. Then we tune the dials: speed, documentation, payments, size, and exit. Your bridge is shaped to your situation in one conversation, not read off a rate sheet.
A West Los Angeles homeowner listed her home while she still lived in it. Showings were hard to schedule. The offers were weak. Meanwhile the small home she wanted near the ocean had heavy interest, and she could not compete while stuck in a slow sale.
She bought the ocean home first. Then her old home sold empty, staged, and shown any time. At its best.
She was equity-rich and income-light, so she qualified on her equity and assets. No tax returns. She did not cash out her investments. And she had the time to repair and stage the home properly before buyers walked through it.
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 of our partners just wrote a $20M bridge loan in Beverly Hills.”
That is the scale this desk works at. When your home is worth $3M, $10M, or $25M, you are not an edge case here.
Behind Nick is Loan Factory. One conversation with Nick, and your bridge is shopped across 236+ lenders instead of one shelf.
23 years in mortgage lending · NMLS 314880 · CA DRE 01444600
Nick has spent 23 years on loans like this. Estate owners come to him with situations other lenders could not finish. 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: the purchase, the sale, and the timing between them.
Behind him is the full Loan Factory team: processing, underwriting support, and 236+ lenders. You talk to Nick. The machine behind him does the heavy lifting.
Yes. That is what a bridge loan is for. You buy the next home first. You move once. Then you sell your current home after you are out, staged and shown at its best.
Most bridge programs stop near $2 million. Ours run from $1M to $30M+. One of our partners just wrote a $20M bridge loan in Beverly Hills.
Yes. There is a structure built for exactly this. You qualify on your equity and assets, not tax returns.
No. One structure finances up to 100% of the next purchase. Your investments stay invested.
Not with the zero-payment structure. It carries no monthly payments while your home sells. The cost comes out of the deal at closing. And your current mortgage can be excluded from qualifying, so you are not asked to carry both homes on paper.
It did for a recent client. She moved out first, then repaired and staged her home. It sold empty, shown any time, at its best. It brought in about $50,000 more than the path she was on. Her bridge cost about $22,000 all in. She came out about $25,000 ahead.