1-877- 292-7350 jhurst@hurstlending.com

Bridge Loans

Retired Buyer – Buy before you sell.

Don’t Wait Until Your Old Home Sells

Client Reviews

Do you want to purchase a new home near your family or in a resort location? Do you feel like your hands are tied until your old home sells since you need your equity from your old home to pay for the new home?  Will you not qualify for a new loan until your old home sells?

You no longer need to wait to sell your old home before buying a new one.  We will provide you a short term bridge loan that allows you to pay cash for your new home and you can pay off this short-term loan as soon as your old home sells.

One great use case for our bridge loans is for retired buyers who are on a fixed income and can’t qualify for a conventional loan. Our short-term loans are more flexible than traditional loans! 

Hurst Lending IconHurst Lending

4.9 ★★★★★ 56 reviews

Over $1 Billion in Loans Funded

And we're just getting started!

We're Expanding

Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.

Why Use Our Services?

Make a Smart Move


Use Short-Term Loan to Purchase a New Home for Cash

No Payment for up to 3 Months to give you time to Sell Your Current House

No Prepayment Penalty

Loan Can be Structured as a:

  • 1st lien loan that you pay off when you sell your current home
  • 2nd lien loan so that you set your 1st lien conventional loan at the loan amount you want for the long term and you use our short term second lien as a proxy for the equity in your current home.


Buy Before You Sell

Don’t worry about timing on the sale of your old house.

Easy to Qualify

Easier to qualify even if you are on a fixed income.

Quick Decisions, Quick Closing

No unnecessary red tape.

“Football’s hard.
Moving doesn’t have to be,
Buy Before You Sell.”


Dat Nguyen, Hurst Lending Investor
Former Pro Football Player & Coach


Call 1-877-405-3465

Dominate by Using Our Funds to Buy Before You Sell

How our Program Works?

Step 1


It’s quick and easy.

Get approved for both a short-term loan and long-term home loan from us in a single step. Get started now!

Step 2

Use our Funds

Use our funds to purchase your new home.  We provide you a short-term loan to pay cash for your new home.

Step 3

Move When Ready

Move when it makes sense for you – no interim housing, no storage, no stressful contingencies.


Step 4

Refinance Your Short Term Loan

We will promptly refinance you into a long term low rate conventional loan (as soon as possible after your closing).

Make No Payments on Your New Home for Up to 3 Months!

(while your old house sells)


Up Front Cost

  • One low $495 fee to set up your Short-Term Loan and allocate Funds for your use.
  • We provide you a Proof of Funds Letter that you have funds available to make a Cash Offer.

Pay Cash for New Home

  • Draw against the Short-Term loan to close on your new home.
  • We just charge a simple 1% origination for the amount you draw from the line of credit.
  • The $495 up front fee will be credited toward these closing costs.

Rates on Short Term Line of Credit

  • Our Short-Term loans rates start at 6.99%
  • Payments on our Short-Term loan may be deferred for up to 3 months to give you time to sell your old home.
  • Your Short-Term loan must be paid off at the earliest of when your old house sells or within 6 to 10 months.

Our Portfolio of Dominate with a Cash Offer® Loans



Make a cash offer to win the bidding war. A cash offer will get the home you want at the best price in any type of market.


Eliminate contingencies, skip the showings. Don’t waste money on interim housing, storage and moving twice!


Don’t wait until your house sells just because you’re on a fixed income. No need to liquidate your assets to buy your new home.

Click Here or call us at 877-292-7350 to get started.

About the Buy Before You Sell Loan Program

At Hurst Lending, we’re problem solvers. Over the years, we’ve talked with thousands of home buyers. In the process, we realized that the standard method of buying a home while selling another one is simply inefficient. Many people end up selling their homes for less than market value to avoid moving twice or losing their dream home. Others spend thousands of unnecessary dollars on temporary housing, storage, and moving twice.

A couple of years ago, we designed and began testing a better process – a smarter way to buy a home, reducing the stress and cost of buying, selling and moving. We have fine tuned our offer in our home state of Texas and soon plan to start rolling this offer out around the country. Home buyers using our short-term loan program have gained financially in many ways:

  • No Need to Sell current residence, Buy Before You Sell
  • No Need to Rent previous or new house, they own it
  • Increases Chance of Winning Bid through cash purchase
  • No Double Payments, payments can be deferred up to 3 months
  • Lower Total Cost compared with other programs available
  • Sell at Top Dollar & Move on Your Schedule

Our customers find that they can move with less inconvenience and stress and more control. Best of all, they can gain the upper hand over other buyers and get their dream home!

If you are interested in learning more about the new, smarter way to buy a home, we’d love to tell you more. Give us a call at 877-405-3465 or contact us today.

Latest Blog Posts

How to Buy a House Before You Sell It: Exploring Your Mortgage Options

How to Buy a House Before You Sell It: Exploring Your Mortgage Options

In today’s competitive housing market, timing is everything. The ability to buy a new home before selling your current one can provide peace of mind and financial flexibility. From bridge loans to rent-back agreements, various mortgage options cater to buyers in this situation. Remember, working with an experienced lender is key to navigating the complexities of ‘buy before you sell’ scenarios and ensuring a successful transition.

Real Estate Investing 101: How to Take Advantage of Low-Down-Payment Loan Programs

Real Estate Investing 101: How to Take Advantage of Low-Down-Payment Loan Programs

Purchasing a multifamily property and occupying one of the units is a smart investment strategy for real estate investors. By taking advantage of special loan programs that offer low down payments like FHA and VA loans, you can maximize profits and minimize expenses. Hurst Lending specializes in providing low-down-payment loans for real estate investors, offering a variety of loan programs with exceptional customer service and a streamlined loan application process.

What is the Seasoning Requirement for Refinance?

What is the Seasoning Requirement for Refinance?

If you’re a real estate investor looking to refinance a property, you may run into seasoning requirements. These requirements can limit your ability to access the equity in the property, which can be a problem if you need to fund other investments. However, seasoning is required by lenders to reduce the risk of default and provide a more accurate picture of the property’s value. It’s important to understand how seasoning works and how it can affect your ability to refinance a property.



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