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Bridge Real Estate Loans

FL Commercial Bridge Loans | Florida Private Money

Do you need to upgrade to a larger home, but have not yet sold your current home? Bridge this gap with a bridge loan. A bridge loan is a perfect way to cover costs while you shop for a new home before you’ve sold your current property. Bridge loans are usually short-term, lasting between six and 12 months. Also known as a swing loan, gap financing, or interim financing, these loans will carry interest rates that are roughly only about 2 percent above the average fixed-rate product.

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You can structure your bridge loan to completely pay off your existing liens on your current property, or you can design the loan to function as the second top on top of existing loans. Whichever case you choose, the loan can be used to bridge your real estate fees during this “in-between” time. For those who want to use a bridge loan as a way to pay off liens, you’ll likely make mortgage payments on your new home instead of monthly payments on the loan itself. For those looking to follow the second option, you will likely have two mortgage payments to make on your old and new mortgages.

Bridge loans are not the most popular real estate loan option, but they can be helpful for those in unique “in-between” situations. Bridge loans don’t require monthly payments, as they work with your current or future mortgage and contribute to those payments. If you’re interested in a bridge loan, reach out to us at Shop Commercial Mortgage. We are a Florida commercial loan, financing, bridge loan and Hard Money loan provider dedicated to our clients. If you are interested in working with us, feel free to contact us at 813-516-5210.

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"I just closed a commercial loan in St. Petersburg. A 16 unit apartment complex for $100,000 at 11.5% interest. It was a free and clear equity driven low documentation refi with no appraisal so it closed fast!"

Mikle / Broker


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