Mortgage Center

Buy Your Next Home Before You Sell

A bridge loan from America's Credit Union is a short-term loan that covers the gap between buying your new home and selling your current one, so you can move with confidence.

Apply Now See How It Works
Homeowner receiving the keys to their next home
6-12 mo
Typical Term
80%
of Departing Home Value
Low
Fees
1:1
Dedicated Loan Specialist
How a Bridge Loan Works

Move on Your New Home Without Waiting

A bridge loan gives you the funds to buy before you sell, with the confidence and security of a dedicated team beside you.

What Is a Bridge Loan

Financing That Bridges the Gap

A bridge loan from America's Credit Union is a short-term loan that helps you bridge the financial gap when buying a home. It covers the period between purchasing your new home and selling your existing one, giving you the confidence and security of having the funds to make the transition.

  • Short-term financing
  • Covers the gap between homes
  • Buy before you sell
  • Confidence and security in the transition
Start Your Application
Short
Term Financing
Gap
Between Homes Covered
Buy
Before You Sell
1:1
Dedicated Mortgage Team
How It Helps You Buy

The Funds to Buy While You Sell

Bridge loans provide the funds you need to buy a home while you are still selling your existing one. You get the flexibility and security of knowing you have the funds to purchase before you sell.

  • Funds available before your sale closes
  • Flexibility to act on the right home
  • Typically 6 months to a year
  • Borrow up to 80% of your departing property value
Apply Online
Before
Your Sale Closes
6-12 mo
Typical Term
80%
of Departing Value
Act
on the Right Home
Why Choose ACU

Competitive Rates and a Dedicated Team

At America's Credit Union we offer members competitive rates, flexible repayment terms, and low fees. We understand the value of homeownership and aim to make the loan process as easy as possible.

  • Competitive rates
  • Flexible repayment terms
  • Low fees
  • A dedicated team that makes it easy
Meet the Mortgage Team
Competitive
Rates
Flexible
Repayment Terms
Low
Fees
Easy
A Team That Makes It Simple

Talk With Our Home Loan Team

Wherever you are, call or text to see if a bridge loan is right for you. Prefer to come in? Visit the Home Loan Center, 1495 Wilmington Dr Suite 180, DuPont, WA 98327. Call or text 253-591-6871, Toll Free 866-968-7128.

Call or text 253-591-6871 Find Our Locations
Why a Bridge Loan From ACU

The Move-Up That Works for Members

Everything you need to buy your next home first, backed by a team that understands homeownership, wherever you are buying.

Buy Before You Sell

Purchase your new home with confidence before your current one sells.

Up to 80% of Departing Value

Borrow up to 80% of your departing property value for your next down payment.

6 to 12 Month Term

A short-term structure that typically runs six months to a year.

Competitive Rates

Members get competitive rates on their bridge financing.

Flexible Repayment

Flexible repayment terms that fit the timing of your move.

Low Fees

Low fees keep the cost of bridging your move down.

Getting Started

Three Steps to Your Bridge Loan

A simple path from first call to buying your next home with confidence.

1

Make an Appointment

Call or text 253-591-6871 or visit the DuPont Home Loan Center.

2

Review Your Equity

We look at your current home's value and your new purchase to size your bridge loan.

3

Buy With Confidence

Access funds to purchase your new home before your current one sells.

★★★★★
“ACU made our home buying process smooth and stress-free. Their mortgage team went above and beyond, and we closed on time with zero surprises.”
Jasmine T.
Mortgage Client
Common Questions

Bridge Loan FAQ

Answers to the questions members ask most about bridge loans.

A bridge loan is a short-term loan used to bridge the gap between selling a current property and buying a new one. They often last between six months and a year, making them an ideal tool for homeowners who do not want to wait until they have sold their previous home to purchase their new one.
A bridge loan from America's Credit Union provides the funds you need to buy a home while you are still in the process of selling your existing home. You get the flexibility and security of knowing you have the funds to purchase your new home before you sell the old one.
Bridge loans are suitable for borrowers who have sufficient equity in their current property and a high credit score. They are most commonly used by homeowners looking to purchase a new property before their current one is sold.
The amount depends on the value of your current home and the value of the home you plan to purchase. Typically, the loan amount is limited to 80% of the value of the departing property, which provides enough money for the down payment on the new property.
At America's Credit Union we offer members competitive rates, flexible repayment terms, and low fees. We understand the value of homeownership and aim to make the loan process as easy as possible with a dedicated team ready to help.
Call or text 253-591-6871 or visit the DuPont Home Loan Center to make an appointment with our mortgage team and see if a bridge loan is right for you.

Disclosures

Bridge loans are subject to credit approval and require sufficient equity in your current property. Loan amount typically limited to 80% of the departing property value. Rates and terms subject to change without notice. Property insurance required. Membership required. America's Credit Union is a federally chartered credit union insured by the NCUA. NMLS #449181. Equal Housing Lender.

Move Without the Wait

Do not let your current home hold up your next one. Talk with our mortgage team about a bridge loan.

Apply Now Call 253-591-6871
Keep Exploring

More in the Mortgage Center

Purchase & Refinance→ VA Loans→ Home Equity→ Mortgage Team→