Short Term
Real Estate Loan

Various Short-Term Real Estate Loan Programs:

Introducing short-term repayment real estate loan programs depending on your needs. A Bridge Loan is typically used when buying a new home before selling your current one. Ground Up Construction loan is for builders specializing in home construction. Fix & Flip loan is for those who buy and renovate homes for profit.

Types of Short-Term Real Estate Loans:

Bridge Loan

  • Real Estate Gap Financing
  • When buying and selling real estate, this interim gap financing covers the difference.
  • Loan Amount: 75% of the purchase price
  • Duration: 2-4 weeks
  • Monthly interest payments only
  • Repayment Period: 1-2 years
  • No Early Payment Penalty

Construction Loan

  • Builder’s Loan
  • Interest Only Payment
  • Repayment Period: 1-2 years, with Extension Option Available
  • Interest Rate: 11% – 15%
  • Credit not necessary, but experience as a builder is required
  • Up to 85% LTC, 70% ARV, 60% of Land
  • Minimum $500,000

Fix & Flip

  • Up to 90% of Purchase
  • 100% of Rehab
  • 75% of ARV (After-Repair Value)
  • Interest Rate: 11%-15%
  • Interest only payments
  • Processing: 1-2 months
  • Repayment Period: 1-2 years

* Fixed Interest Rate vs. Variable Interest Rate :

  • Fixed Interest Rate: A fixed interest rate refers to when the interest rate on a loan or deposit remains constant throughout the term of the contract. This means that the amount of interest paid remains constant, providing high predictability and low volatility. Since the interest payment remains the same when repaying a loan, the risk of unexpected interest rate increases is reduced.


  • Variable Interest Rate: A variable interest rate refers to when the interest rate on a loan or deposit fluctuates according to market conditions. It can rise or fall depending on market interest rates or other factors. While a variable interest rate can lead to unexpected costs as the interest payment can change, it can also be beneficial if market interest rates decrease.