Bridge Loan Financing & Mortgages for Real Estate Investors
A bridge loan is a temporary loan with a maturity of 12 months or less. An example of such loan is a loan to finance the purchase of a new property where the investors plan to sell the property within 12 months.
Many investors use this program to acquire properties “same as cash”.
- 1st Trust Deeds up to 80% Loan to Value
- $100,000 to $2,000,000+
- Terms from 6-24 months Interest Only
- Purchase, Refinance, Cash Out
- Fixed Rates
Hard Money Loans for Real Estate Investors
Business owners, trusts, corporations and private partnerships often secure hard money loans for their commercial property needs. These private money loans, which can be used to rehabilitate or pay off mature notes on commercial properties, are often known as bridge loans or gap loans.
As a lender with years of experience in the RE Investor lending sector, we understand the needs of business owners and investors. We will work with you to make sure that your loan meets your needs and offers the best rates at reasonable terms.
Bridge loans are used as a temporary source of capital until a more traditional source can be secured.
Bridge loans are used in real estate for a whole host of reasons, including: buying a property, stablizing a property, or quick closing.
A bridge loan provides investors and real estate professionals the capital and time needed to get from point A to point B in their journey to profitability. A bridge loan can also provide short-term capital that banks are unwilling to offer.
Traditional lenders are limited to providing capital under a strict set of conditions. American Heritage Lending is not bound by those restrictions, and can provide bridge loans backed by the equity in a property to meet any number of requirements.
We also offer bridge loans to investors that need fast money on property that is held free and clear or with substantial equity. Our bridge loans maximize your flexibility, enabling you to build, purchase, or rehab property.
Why would someone want to use a bridge loan?
- Developer: Needs capital to continue construction or development while waiting for equity financing to close.
- Investor: Purchases a property that requires funds for renovation and operation while locating renters.
- Buyer: Needs funds ASAP to purchase a prime piece of property.
Bridge Loans for Owner/User
Looking to acquire and make improvements to residential properties? Finding an easy answer to your short-term financing needs will enable you to focus more time on your project. Examples of when this could be relevant include:
- Projects that need quick closing.
- Investors that can’t qualify for traditional loans.
- Owners making improvements to real estate.
Boost the value of your equity with one of our fast and easy bridge loans! Making improvements will increase the value of your investment, and our bridge loans will help you upgrade the condition of your property and bring in new, rent-paying tenants. Let us bridge the gap between purchase and stabilization. We will help you improve your property from distress to success.
We offer both interest-only and term loans from 6 to 24 months, allowing you to choose a payment schedule that fits your needs!
Bridge Loans for Investor Property
Traditional financing for any investment property type requires a history of tenant payments. But, as is often the case, the owner of the property is interested in renovating the vacant property and attracting new tenants. Once these tenants are in place, owners must stabilize the income they receive.
Our bridge loans provide the means to get the transaction done with enough time to stabilize the property. Banks require a history of tenant payments, which makes it difficult to maintain that stabilization. We offer a quick close on the vacant building and flexible terms that give you ample time for renovations and stabilization.
We are as good as cash. And with no limits on the number of properties or bridge loans, you can leverage one building or your entire commercial portfolio.
Bridge Loans for a Refinance
This is among the most common uses for a bridge loan. There are times when an investor does not qualify for SBA loans, such as due to damaged credit or a non-qualified property, which hinders a property owner’s access to equity in their traditional property.
This is where American Heritage Lending steps in. We can provide the capital to handle the necessary short-term liquidity needs, so long as there is sufficient equity in the property. Our loans are designed for quick underwriting and fast closing in order to meet a borrower’s expedited timeline.
AMERICAN HERITAGE LENDING STATE LICENSING INFORMATION - NMLS ID: 93735
FHA Lender ID 27897-0000-1 ⋅ VA Lender ID 902138-00-00
State licenses: Arizona Mortgage Banker License 0912684; California - Department of Financial Protection and Innovation, Pursuant to California Financing Law License Number 603G668; California - DRE Real Estate Corporation License Endorsement 01844643; Colorado Mortgage Company Registration 93735; Florida Mortgage Lender License MLD94; Iowa Mortgage Banker License 2018-0155; Maryland Mortgage Lender License 18412; Nebraska Mortgage Banker License 93735; Oregon Mortgage Lending License ML-4808; Virginia Broker License MC-5775; Virginia Lender License MC-5775; Washington Consumer Loan Company License CL-93735.
Submitting a form from this website does not obligate you to enter into an agreement with American Heritage Lending; nor does it constitute an application for a mortgage loan. Submitting this form does authorize yourbridgelender.com to deliver this form to a American Heritage Lending mortgage loan officer who will contact you by phone and/or email to respond to your inquiry into the American Heritage Lending mortgage programs and financing solutions.
Your Bridge Lender, a division of American Heritage Lending, is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is: Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.