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Bridge HELOC

Access home equity to help finance your next purchase before selling your current home.

Purchase Your Next Home Before Your Current Home Sells

A Bridge HELOC allows you to tap into the equity of your current home to support the purchase of your next one. Funds can be used for a down payment or other transition-related expenses, helping you move forward without waiting for your existing home to sell.

For qualified buyers, reducing or eliminating a home-sale contingency can strengthen an offer and provide more control over timing in competitive markets.

Before you start your home search, secure your Bridge HELOC and mortgage prequalification. A Civista Mortgage Lender can help you decide if this option is right for you.

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Purchase Your Next Home Before Your Current Home Sells

Bridge HELOC Advantages

A Bridge HELOC can help you simplify the transition between homes by providing short-term flexibility during the buying and selling process.

Flexibility

Flexibility

A Bridge HELOC can provide additional financial flexibility during your transition, including the ability to:

  • Cover appraisal gaps
  • Make improvements to your current home before listing
  • Complete renovations on your new home before moving in
Cost Management

Cost Management

Depending on your situation, a Bridge HELOC may help manage short-term costs associated with moving by offering:

  • Interest-only payments during the draw period
  • No closing costs for qualifying borrowers
  • An alternative to drawing from long-term savings or investment accounts
  • The ability to consolidate your existing mortgage balance into the HELOC, where appropriate

Local Expertise, Personal Support

We live and work in the same communities as you, and we’re invested in helping you navigate your options with clarity. Wherever you are in your homeownership journey, you’ll work with a lender who listens carefully and helps identify options that fit your needs.
Speak to a Lender
Local Expertise, Personal Support
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