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Loan Programs

Bridge Loans

Short-term financing for transitional real estate needs

Bridge loans provide flexible, interim funding to help borrowers manage short-term real estate opportunities. These loans are ideal for scenarios such as renovating a property before refinancing or purchasing a new property before selling an existing one.
Bridge Loan concept

What is a Bridge Loan

  • A short-term loan designed to cover temporary financial gaps
  • Common uses include funding renovations, acquiring new property before selling an existing one, or covering urgent capital needs
  • Available to both individuals and businesses with qualifying properties
  • Typically secured by investment real estate offered as collateral

Eligibility

  • Collateral is required, typically in the form of investment real estate
  • Borrowers may be individuals or business entities
  • Loan approval based on asset value, exit strategy and overall financial profile
  • Standard documentation may be required, though requirements are often more flexible than traditional loans

Key Benefits

  • Fast access to capital for time-sensitive needs
  • No monthly payments during the loan term; interest payments are typically funded up front from loan proceeds
  • Flexible repayment options, often structured around the sale or refinance of the collateral property
  • Can serve as a stepping stone to permanent financing once the immediate need is resolved
  • Ideal for investors and property owners looking to leverage real estate assets in the short term

How the Oakstreet Bridge Loan Process Works

  • Funds are advanced to the borrower at closing with interest payments and closing costs typically included in the loan amount
  • No monthly payments are typically required during the loan period
  • The borrower repays the full loan amount (including financed interest) at or before maturity

Explore bridge loan solutions with Oakstreet Mortgage to support the next phase of any real estate investment. Contact us today.

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