How much bridge financing do you need? How long will your home take to sell? What does the gap cost you every day?
🏠 Your Current Home
$
$
🏡 New Home
$
9.5%
What is a Bridge Loan?
A bridge loan is short-term financing that covers the gap between buying your new home and selling your current one. It uses your existing home's equity as collateral — letting you buy before you sell.
FRC Market Speed Estimates
🔥 HOT market: 7-21 days
🟡 WARM market: 21-45 days
🔵 COOLING market: 45-90 days
❄️ COLD market: 90-180 days
Based on FRC Buyer Demand data from 4,590 listings analyzed by our users.
Your Bridge Loan Analysis
How Bridge Loans Work
When you find your dream home before selling your current one, you face a timing gap. A bridge loan covers that gap — letting you close on the new home immediately while your old home is still on the market.
Bridge loans typically run 6-12 months at rates 1.5-3% above conventional mortgage rates. The loan is secured by your existing home's equity. Once your old home sells, you pay off the bridge loan from the proceeds.
The key risk: if your old home takes longer to sell than expected, the bridge loan costs compound. In a COLD market, a 180-day bridge period on a $150K loan could cost $7,000-12,000 in interest alone.
📋 Data Sources: Bridge loan rates: 1.5-3% above conventional per NAR & CFPB data. Market speed estimates: NAR days-on-market data by metro area. · Learn more about our methodology →
Prices and rates are widely reported. Whether a lender says yes is not. In the complete 2025 federal record, denial rates across the 100 largest FHA lenders ran from 1.8% to 78.7% — same programme, same year.
And it is not simply who applies where: standardizing on state, loan amount, income, debt-to-income and loan-to-value, applicant mix explains only a 2.7× range in expected outcomes.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published per market, not all lenders. Historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.