Mortgage Rates

Loan Type



30 Year Fixed


15 Year Fixed


Jumbo 30 Year Fixed


FHA 30 Year Fixed


VA 30 Year Fixed


* Texas Mortgage Rates as of 04/01/2016 9:05 AM. Rates quoted with 0% points with these assumptions. Not all programs are available in all areas or to all borrowers.

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 Residential Bridge Loan Benefits

  • Don’t worry about selling your old home before you buy a new one
  • Avoid moving twice
  • Apply equity from your old home to your new one
  • Keep your new loan under the $417K jumbo loan threshold by applying existing equity

What is a Residential Bridge Loan?

A “bridge loan” is a way of providing a financial “bridge” between two points in time. Residential bridge loans are most frequently used when a home owner wants or needs to buy a new home before selling their old one.

At, a division of Hurst Lending & Insurance, we specialize in residential bridge loans to home owners in Texas. Home buyers taking advantage of a residential bridge loan can benefit financially by applying the equity in their existing home toward the purchase of a new one, while avoiding the hassle of moving twice. While interest rates are a few points higher on a residential bridge loan than on a conventional loan, the amount of money spent may be quite low because the bridge loan is short-term.

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Is a Residential Bridge Loan Right for Me?

If you want to buy a new home and sell an existing property with some equity built up, a residential bridge loan may make sense for you. Here are some scenarios where a residential bridge loan might be useful.

Growing Families

If your family is expanding and you need more room, it just makes sense to apply the equity in your existing home to your new loan. A residential bridge loan can do that for you, and spare you the headaches of interim housing and a second move. After all - you're busy enough!
Residential bridge loans for growing families
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Down-Sizing for Retirement

Many people choose to down-size their homes for ease of maintenance when they retire. The last thing you want, if you're moving for ease of lifestyle, is the hassle of moving twice. Buy before you worry about selling with a residential bridge loan.
residential bridge loans for seniors
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Get a Better Rate

If you're buying a larger home and don't want to move twice, the equity in your old home may provide a down-payment that will keep your new loan under the $417K jumbo loan limits. The lower conventional rates you'll get will quickly offset the cost of the bridge loan.
avoid jumbo rates with a residential bridge loan
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Why Get a Residential Bridge Loan from Us?

Customer Reviews


Repeat & Referred Business


Successfully Closed Loans/Year

aggie1002012 & 2013

Closed on our first home his morning and the process went great. Jay and his team do an outstanding job with communication and explaining everything along the way. For a first time buyer, they do a great job with every single step in the process.
Texags Forum
Hurst got me a great deal. I bought a new home so initially I dealt with the builder’s “preferred lender.” I told my builder’s “preferred lender” what Hurst’s offer was and he stated “sounds too good to be true, you sure he has everything included in his gfe?” Well, it was true and I couldn’t be happier!
Tony P
He beat our builder’s lender’s offer, was a whole lot easier and nicer to work with, answered our questions, and we closed on time. AND we got to work with Aggies all around.
We closed on our house with Jay in November. He did a great job for us as well. We had a few issues that were out of the ordinary, and he helped us get through underwriting on time and close on the original date.
TexAgs Forum

Visit our Client Feedback page to read more reviews.

Family Owned. Texas Proud.

Still A Family Business

Founded by Jay Hurst and Scott Bialek, Hurst Lending & Insurance is still managed Jay, Scott and their families. While the mortgage industry is known for high turnover rates, Hurst Lending is recognized for providing consistent, personal service to our customers. That’s why more than 70% of our mortgage and insurance business is from repeat or referred customers!

Jay Hurst & Family

Jay Hurst & Family

Scott Bialek & Family

Scott Bialek & Family

Texas Aggie Heritage

Hurst Lending is proud to be a part of the Texas A&M community.  Co-founder Jay Hurst (’00), investor Dat Nguyen (’98), senior manager of loan processing Sonja Zadel (’93) and several other employees and investors have degrees from Texas A&M.


Hurst Lending has been named twice among the 100 fastest-growing Aggie companies.

Out of a desire to serve the Texas A&M community, Hurst Lending & Insurance created a division called AgsReward, which offers an Aggie Realtor Referral program, apartment loans, and other mortgage and insurance offers particularly relevant to the Aggie family. AgsReward is a sponsor and active participant on the Real Estate Forum on

Hurst Lending is also very proud that we have twice been  recognized on the Aggie 100 list of fastest-growing Aggie-owned companies.

More About Us

Not Just Lenders. Problem Solvers.

Lots of mortgage lenders can offer a good rate on a conventional loan.  We can too – in fact, our rates are some of the best around.

The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.

We Have The Answer To:

"I can't buy a new house till my old one sells."

"I need a low down-payment jumbo loan."

"I want to buy a house NOW, but my divorce isn't final"

"Other lenders can't help me because I've been working overseas."

"They said my short sale was too recent..."

"I want to build my own home...
but I need a low down payment construction loan."

"I want to buy a rural home on a LOT of land."

"I just found out my dream vacation condo is a
non-warrantable condo project."