Lendinghome Bridge Loans

Make financing the easiest part

Partner with us for a solution that’s tailored to your real estate investing goals.

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About LendingHome Fix-and-Flip Bridge Loans

We support borrowers—like you—on their mission to build a bright financial future. As a reliable financing partner and dependable source of support, we make it easy for you to get what you need.
Low cost
Alongside competitive and low rates, we offer low origination points, high leverage, and no application fee.
Simple and fast process
We combine reliable funding, fast close times, and easy-to-use technology to create a financing experience that alleviates confusion.
Flexible experience
Our expert team works with you to support your individual needs, providing rates and points that get better as you flip more.

The more you do, the more you get

We believe in building trust and relationships with our borrowers. As you grow, your rates and benefits improve. Learn more about our programs.

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  • Rates as low as 6.95%
  • Closing fees as low as $999
  • Close in as few as 5 days
  • No application fee
  • Online access to your loans
  • Dedicated experience manager
*6.95% - *Interest rates as low as 6.95% and vary based on property location, borrower experience, and FICO score.
LendingHome is everything they say they are. Their service is unmatched and I just closed a $360k loan in 5 days, which is super fast. LendingHome is MY HOME and I wouldn’t deal with any other hard money lender or bank.
ROGER F.

Bridge Loan FAQs

What states do you provide bridge loans in?

We currently lend in: Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kentucky, Massachusetts, Maryland, Michigan, Minnesota, Missouri, North Carolina, New Jersey, Nevada, New York, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington, and West Virginia.

What is a Bridge Loan?

A bridge loan is a short-term mortgage for real estate investors who prefer to finance the purchase and/or rehabilitation of their investment property rather than buy fully in cash.

How does a bridge loan work?

Bridge loans work by bridging the gap between the down payment and mortgage of a new home and any of an investor’s existing mortgages or loans. It makes it possible to essentially borrow the down payment, giving real estate investors the time to renovate the home and resell it. Bridge loans are often used to help real estate investors who build a portfolio and scale a business, as it allows them to do more at once.

Why get a bridge loan?

You have cash and liquidity constraints or would rather take a smaller cash stake in your fix-and-flip project(s). Or, you want to scale your existing business by taking on multiple house flipping projects at once. Bridge loans usually do not take as long to close as other loans. For instance, you can close on one home before selling another one. Or in this case, you can flip multiple investment properties at a time. It makes it possible for real estate investors to grow and scale their business.

How long does it take to get a bridge loan?

At LendingHome, in as few as 5 days for experienced flippers who have flipped 5 or more homes, pending valuation.

What are your bridge loan rates?

Rates start as low as 6.95%, but can vary based on factors such as experience, leverage, and geography. To see your custom rate, click here.

What documents do you require to get started?

Business entity docs (if applicable), voided check, and scope of work (if holdback is requested).

How much money do I need to get started? What leverage do you provide?

Based on the borrower’s credit score, we can offer bridge loans up to 90% of the purchase price and 100% of the renovation budget with holdback. The amount of cash-to-close that is needed for the transaction is based on deal size and state. Click here to price out your next deal.

Do I need an entity to purchase a home or can I purchase as an individual?

We only lend to entities in the following states: District of Columbia, Florida, Minnesota, New Jersey, Ohio, Oklahoma, Texas, and Virginia. Individuals can take out loans in all states we lend in.

Are rehab loans fully funded at closing?

LendingHome keeps rehab loans as a holdback. These funds are held in escrow until after the work has been completed and proof of the work has been submitted. The funds are earmarked for the borrower, but not released until the work has been confirmed, at which point a draw is done.

What is your draw process like?

You can choose to obtain your draw in one of two ways. You can either take out small amounts as the renovation is in progress or wait until it is entirely done in order to make one drawdown for the full amount of the project. Draw fees start as low as $179 and can go up to $199 for each draw.

The process for obtaining a draw is simple. First, make a request in your borrower dashboard. Next, we request a third party inspection. Upon satisfactory review of the inspection report and collection of additional construction documentation (if applicable), the draw administrator releases funds within 3 to 5 business days from the time of the review.

What if I want to talk to a rep?

We're happy to help! Please click here to provide a summary of your experience, name, and contact information.

Will I qualify for your bridge loans?

Find out in three minutes. Begin by answering a few short questions, and we’ll give you estimated rates. If anything you told us keeps you from qualifying, we’ll let you know exactly what it is.

How will I know the status of my bridge loan application?

We’ve designed your borrower dashboard so there are no surprises: when we know something, you know too. Watch your loan as it goes through our process flow. See pending information requests, complete your borrower checklist, upload documents directly, message your team of loan specialists, and more.
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2019 Fintech Breakthrough Award
Best Digital Mortgage Product
2019 Forbes Fintech 50
Forbes Fintech 50
2019 HousingWire
2019 HW Tech100 Winner