A bridge loan lets you borrow against the equity in your current home to fund the down payment on your next one before your current home sells. That lets you write an offer without a home-sale contingency, which is stronger in competitive Washington markets. Alternatives include a HELOC opened before listing, or qualifying for both payments if your income supports it.
Ways to buy before you sell
- Bridge loan. Short-term financing secured by your current home, repaid when it sells.
- HELOC before listing. Open a line of credit while the home is still occupied and unlisted, then use it for the down payment.
- Carry both payments. If your income supports both mortgages, you may qualify outright.
Plan it early
Many lenders won't open a HELOC on a home that's already listed for sale. Talk with Kristen before you list so every option is still available.
Bridge programs are offered by select lenders; terms vary.
Common questions
Can I get a HELOC after my house is listed?
Usually not. Many lenders won't open a HELOC on a property that's listed for sale, so set it up before listing.

