Imagine a Stress Free Move

You no longer need to put up with the hassle of selling your old home before buying a new one, or worry about missing out on your dream home by losing out to a cash buyer.  You can take control of the situation and dominate other buyers by making a cash offer (you’ll probably get a better deal, too) using a residential bridge loan.

You can even use a bridge loan to close on your new home if your current buyer fell through, or if you are retired and can’t quite qualify for a new home until your old home sells (since you are on a fixed income). 

Move when you want, how you want, and buy the house you want. Our unique residential bridge loan program allows you to buy before you sell and make only one house payment for up to three months.

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Customer Reviews

Dominate with a Cash Offer

Win the bidding war with cash

Gain the upper hand!  Make a cash offer to win the bidding war.  A cash offer will get the home you want at the best price in any type of market.

Move Now,
Sell Later

fixed income loan

Move now – don’t wait until your house sells just because you’re on a fixed income. You don’t need to liquidate your assets to buy your new home with cash, either.

How Does It Work?

5 Simple Steps to Buying with a Bridge Loan


Apply Now

It’s quick and easy.

Get approved for both your short-term bridge and long-term home loan in a single step.  Get started now!


Dominate with
a Cash Offer

Cash offers generally win a bidding war and may enable you to pay less for a home. We provide documentation that you can pay with cash.


Draw Funds (or not!)

If your house sells before closing, skip the short-term loan bridge loan.

If your home hasn’t sold, draw funds and pay cash.*


Move at YOUR Convenience

Move when it makes sense for you – no interim housing, no storage, no stressful contingencies.


Sell Your Home for More

When your old house sells, pay off the bridge loan.  Until then, defer payments on your short-term loan (up to 3 months) and make only ONE house payment.

*If your house sells and you do not need the bridge loan after all, you pay only a Credit Facility Fee.  If you do take out a loan, this fee is credited toward your closing costs.  Click here to learn more about the process.

Why Use A Bridge Loan to Buy Your Next Home?



Buy Before You Sell

Don’t worry about timing. Forget about stressful contingencies.

Don’t Move Twice

Save thousands in moving, storage and temporary housing costs.

Quick Decisions, Quick Closing

No unnecessary red tape, no contingencies.

Dominate Bidding with A Cash Offer

A cash offer is much more likely to be accepted.

Get a Better Deal from Seller

Sellers  often offer a lower price and/or more concessions to buyers who pay cash.

Apply Your Equity to Your New Home

Your final mortgage will leverage your current equity to get you the best deal.


Loans Per Year


Repeat/Referred Business

About Hurst Lending & Our “Buy Before You Sell” Bridge Loan Program

Let Us Introduce Ourselves…

About Hurst Lending

Founded in 2006 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!

At Hurst Lending, we offer unique loan programs like those mentioned on this page as well as great rates on conventional mortgages – but what makes Hurst Lending truly unique is our special expertise is problem solving.  If there is a situation that is creating a barrier to getting a home loan or other logistical hurdles, we can often find a solution. Sometimes the solution is a short-term loan – other times it is another form of specialty loan. We are able to offer these loans by developing relationships with investors who have specific interests, and by lending our own funds for the short term loans described on this page.

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A Better Home-Buying Process

About Our Residential Bridge Loan Program

At Hurst Lending, we’re problem solvers. Over the years, we’ve talked with thousands of home buyers. In the process, we realized that the whole process of buying a home while selling another one is simply inefficient. Many people end up selling their homes for less than market value to avoid moving twice or losing their dream home.  Others spend thousands of unnecessary dollars on temporary, housing, storage, and moving twice.

A couple years ago, we designed and began testing a better process – a smarter way to buy a home, reducing the stress and cost of buying, selling and moving. We have fine tuned our residential bridge loan program in our home state of Texas and soon plan to start rolling it out around the country. Home buyers using our short-term bridge loan loan program have gained financially in many ways:

  • By making an all-cash offer, our buyers often pay less for a new home – and in competitive markets, a cash offer will also dominate a bidding war.
  • Applying the equity in their existing home toward the purchase of a new one.
  • Avoiding the expense of moving twice.

Although interest rates are a bit higher on a short-term loan than on a conventional mortgage, the amount of money spent is quite low when because our offer is short-term.  As a result, our customers find that they can move for the same cost, or even less, than with a conventional “sell then buy” approach – all with less inconvenience and stress and more control.  Best of all they can gain the upper hand over other  buyers and get their dream home!

If you are interested in learning more about the new, smarter way to buy a home, we’d love to tell you more.  Give us a call at 877-405-3465 or contact us today.

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