BENEFITS

Find Your Next Home... NOW.

Picture this:

You're ready to move - maybe closer to family, downsize to a more convenient home, or "Buy In" to a premiere CCRC.

With enough equity, you can Buy Before Selling, so you start searching. Then, voila, you find the perfect home and submit a non-contingent offer.

Two individuals appear to be in the process of moving. One person, who seems to be a woman with curly hair, is walking up a wooden staircase carrying two cardboard boxes. She is wearing blue jeans, black socks, and black shoes, along with a light-colored coat. Behind her, on a lower step, a person who appears to be a man with a beard is also carrying a cardboard box. He is wearing a mustard-colored sweater and grey pants. A wooden railing runs along the side of the staircase. In the background, partially visible through a doorway, is a bicycle. A potted plant is also visible on the stairs below the woman. The setting suggests they are moving into or out of a multi-story home.

You can close quickly, within 15-25 days if necessary.

We are flexible and fast. We are smooth and easy. With no qualifying requirements based on income or employment and no appraisals on either property in the transaction, we can close the purchase transaction in 15 - 25 days.

You can move to the new home on your timeline.

You aren't being pushed out by a buyer of your old home. You can stay in the old home after buying the new home, in order to fix up the new home before you move in… you can move to the new home and then fix up the old home so it sells fast and for top dollar… OR you can do both! We will meet your needs and are flexible to allow a smooth and unrushed transition for you and the family.

With the old home now vacant, you can polish it up and sell for top dollar!

Work with your agent to renovate the old home with new carpet, a fresh coat of paint, or whatever your agent thinks will get the most value for your dollar. According to the National Association of Realtors, a vacant and polished up home will sell faster and for more money than an "as is" home still occupied by the owner.

Avoid the stress and hardship of trying to sell first.

Coordinating the timing of selling your current home first, before closing on the sale of your new home, can be a very stressful and anxious time for home buyers. What if your buyer backs out? What if their home loan is declined? What if the appraised value comes in lower than the buyer's offer price? What if the buyer won't allow a rent-back but the new home needs work or you simply want to upgrade it before you move in? What if something bad pops up on the new home, something in the inspection reports you don't like? The list of possible stress-inducing issues that can arise when trying to sell first is endless! Avoid this stress by Buying Before Selling.

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Get the Answers You Need

“Buying Before Selling” typically employs a source of financing called a Bridge Loan.

This lending tool allows for the purchase of a new home before officially selling an old home and will utilize the equity in the old home to enable a “cash” purchase or it can combine the equity in the departing home and the new home to enable the purchase of the new home before selling the old home.

Understanding your options is the first step to making a confident move. Whether you're looking to buy before selling, downsize, or transition into a new home stress-free, we've got solutions designed to fit your needs.

Check out the FAQs to see how this process works and what it could mean for you.

What is a bridge loan?

A bridge loan is a short-term financing option that provides temporary cash flow to cover gaps—commonly in business while awaiting long-term funding, or in real estate to bridge the time between buying and selling a home.

Who is eligible for a Bridge loan?

The primary requirement for a bridge loan is the equity in the departing home. Thus, most existing homeowners with considerable equity in their home are eligible for a bridge loan.

What are the primary benefits of a bridge loan?

The primary benefits are: the opportunity to make a contingency-free offer on a new home, close on the new purchase in a timely manner, move to the new home without being rushed out of the old home, fixing up the old home for sale without being in the home, and selling the old home quickly and for top dollar after it is vacant and properly staged.

When would I need a bridge loan?

If you are an existing homeowner with sufficient equity, you decide you want/need to move, and you don’t want to have to sell first… you need a bridge loan.

What are the drawbacks of bridge loans?

The primary drawback of bridge loans is the cost. With less expensive Conventional loans the lender doesn’t begin “making money” until the 5th or 6th month and then continues to make money for many months and years into the future. Because most bridge loans pay off within 1-3 months the lender of the financing will charge a higher rate and fee for the financing.

What is the typical cost of a bridge loan?

Costs will vary from lender to lender and will be determined by the credit scores of the borrower, the loan-to-value against the properties, and other qualifying factors. The costs will typically range from 2-3% of the financed amount.

Are bridge loans covered by RESPA?

Yes, bridge loans that meet specific criteria are covered under the Real Estate Settlement Procedures Act (RESPA), which requires lenders to clearly disclose loan terms, closing costs, and any affiliated service providers to ensure transparency throughout the loan process.

How long does a bridge loan take to close?

Bridge loans typically offer faster approval and funding than traditional mortgages, often closing within a few weeks, though the exact timeline depends on factors like the lender’s efficiency, the borrower’s financial profile, property appraisals, and required documentation—with some lenders providing expedited processing for well-qualified borrowers.

Does a bridge loan require an appraisal?

In most cases, no, a bridge loan may not require an appraisal. This is because the most efficient bridge lenders will determine valuations using automated valuation methods and because the loan-to-value is so low that the risk to the lender is minimized.

I’m interested in a bridge loan, what do I do next?

The next step is to call or email me, Todd Galde, to have a Confidential Strategy Session where we discuss where you want to move, how much equity you have to work with, and ultimately to obtain a pre-approval so you can begin looking for your next home. You can text or call me at 925-381-8190, email me at [email protected], or book a “Confidential Strategy Session” on my calendar here: http://galde.co/css

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Buy Your Dream Home.

Two small, white houses with red roofs sit on separate, grassy landmasses that appear to float in a vast, light blue expanse dotted with soft, white clouds. Each landmass also has a few trees of varying sizes and shades of green and yellow. The landmasses are separated by a visible gap, suggesting they are individual islands or platforms within this serene, dreamlike landscape. The overall lighting is bright and airy, contributing to the peaceful and somewhat surreal atmosphere.

We have a solution that enables homeowners with significant equity the option of buying their next home or buying IN to a Senior Living Community immediately, with no loan or appraisal contingencies, close quickly, then pay off the loan after the sale of the current home with no prepayment penalties.

It would be my honor to serve you in this way, to help you Buy Before Selling.