Limited Time Offer! Enjoy 90 days of no payments*

You've built a lot into your home. Let it help you buy your next one.

You’ve found the perfect home. It has enough space for your family, it’s in an amazing school district, and it's close to everything. But there’s just one drawback, you need to sell your current home before you can buy it. If you have to sell your current home first, your dream home will be gone. What can you do?

That's where a bridge loan from Arbor Financial can help.

A bridge loan is a mortgage with a term up to 12 months and interest only payments. Our bridge loan is designed to help prospective home buyers that do not have cash savings for a down payment, but want to get into that new home quickly. A bridge loan lets you use the equity built up in your existing home as a down payment on your next home.

Give us a call today at 269.544.3105 and find out what we can do for you!

Contact a Mortgage Specialist

How does it work?

  1. Arbor Financial will order an appraisal on your current home to determine the value.
  2. Equity is then calculated by using the appraised value and subtracting your current mortgage and/or home equity line of credit from the balance.
  3. You can borrow up to 80% of your homes equity, per the above calculation, to use as a down payment for your next home.
  4. You then make interest only payments on the bridge loan, keeping your payments lower and manageable while you are selling your other home.
  5. When your home sells, the bridge loan is paid off.
RELATED: Pre-Qualification vs. Pre-Approval

When you're ready to apply, here's what to consider:

You'll need documentation for all borrowers, including:
  • Social Security number
  • Contact and employment information
  • Best estimates of income, assets, and liabilities
Once you've applied, we'll contact you to:
  • Guide you through the loan process
  • Complete your loan application package
  • Help you select the best program and interest rate


Bridge Loans Can Help you Bridge the Gap 


Access to various types of home loan programs backed by the U.S. government is just part of what Arbor Financial offers. If you open a checking account with us, you'll get free access to more than 37,000 ATMs throughout Michigan and across the nation, plus fee-free access to Online Banking, Mobile Banking, Web Bill Pay, and more. It's easy to open your account online or switch your account to become an Arbor Financial member.

*Qualifying borrowers may be eligible to defer their first payment for up to 90 days, dependent upon credit score and when the loan closes. Interest accrues from date of loan disbursement and is collected at bridge loan closing.

Why choose Arbor Financial?
"Working with Arbor was the easiest process I have had in regards to a car loan. Thank you for such a smooth process and recommendations on how to best position myself for future business." Joel P Read More Member Stories  


When it comes to the right mortgage, Arbor makes you feel right at home.

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