Two-home composition or family in transition

Bridge Loans · Buyer Program

Buy your next home before selling your current one.

Compass Bridge Loans let you unlock your home's equity to make a non-contingent offer on your next home, without waiting to sell first. Stop losing to cash buyers. Start competing on equal footing.

See If You Qualify

How It Works

The problem with contingent offers in Central Texas

In a competitive market, sellers routinely reject contingent offers; offers that require you to sell your current home first. That means most move-up buyers are stuck: they can't buy until they sell, but they don't want to sell until they've found their next home. Compass Bridge Loans break that deadlock. You borrow against your current home's equity, make a clean non-contingent offer on your next home, then sell your current home on your own timeline.

Without a Bridge Loan

✗ Offer rejected; contingent on home sale

✗ Forced to sell first; then rent while searching

✗ Miss the home you want; market moves on

✗ Rush to sell; accept lower price

With a Compass Bridge Loan

✓ Make a clean, non-contingent offer

✓ Buy your next home on your timeline

✓ Sell your current home properly and maximize price

✓ Move once, not twice

How the Bridge Loan Process Works

Step 1

Qualify for the loan

Your Vista agent connects you with a Compass-affiliated lender. They review your equity, income, and credit to determine your Bridge Loan amount.

Step 2

Buy your next home

With Bridge Loan funds in hand, you make a non-contingent offer on your next home, just like a cash buyer. No contingency. No waiting.

Step 3

Move in

Close on your new home and move in on your timeline. Your current home sits empty; no need to coordinate two closings on the same day.

Step 4

List your current home

Your Vista agent lists your current home using the full three-phase strategy; no rush, no pressure, maximum price.

Step 5

Repay the bridge loan

When your current home sells, you repay the Bridge Loan from the proceeds. The transaction is complete.

Bridge Loan vs. the alternatives

The real cost comparison most buyers never see.

Compass Bridge Loan

✓ Non-contingent offer; full buying power

✓ Buy first; sell on your timeline

✓ Move once

✓ Maximize sale price with proper prep

✓ Typical cost: 1–2% of loan amount

Best for: Homeowners with equity buying in competitive markets

Sell First, Then Buy

· Contingent offers often rejected

· May need to rent between transactions

· Move twice

· Rush to sell; may leave money on table

· Typical cost: 2–4 months of rent

Best for: Buyers with flexible timelines and low equity

Contingent Offer

· Frequently rejected in competitive markets

· Sellers prefer non-contingent buyers

· Risk of losing the home you want

· Negotiating position is weakened

· Typical cost: Lost opportunity

Best for: Buyers in slow markets with motivated sellers

Bridge Loan terms, rates, and availability are subject to lender approval and market conditions. This comparison is for illustrative purposes. A Vista agent will provide a personalized analysis for your situation.

Bridge Loan Success Stories from Central Texas

"We had lost three homes to non-contingent offers. The Bridge Loan changed everything. We made a clean offer, got the home we wanted, and sold our old house for $22,000 more than we would have gotten in a rush sale."

Won the home. Sold existing for $22K more.

R. Thompson

Temple, TX

Agent: Jimmy Torres

"The idea of selling first and renting with three kids was a nightmare. The Bridge Loan let us buy our new home, get the kids settled in their schools, and then sell our old house properly. It was worth every penny."

Bought first; sold for full asking price

A. Morales

Georgetown, TX

Agent: Emilio Torres

"I didn't even know Bridge Loans existed until my Vista agent explained it. It was the only way we could compete in the Georgetown market without selling first."

Non-contingent offer accepted; first try

C. Davis

Georgetown, TX

Agent: Vista Real Estate Group

Find out if a Bridge Loan could work for your situation.

A Vista agent will model the full cost and timeline for your specific home, equity position, and target purchase, and give you an honest recommendation.

Check Your Bridge Loan Eligibility

Bridge Loans: Frequently Asked Questions

A Compass Bridge Loan is a short-term loan that lets you use the equity in your current home to fund the purchase of your next home; before you've sold your existing property. It bridges the gap between the two transactions, giving you the buying power of a non-contingent offer without having to sell first.

Bridge Loan amounts are based on the equity in your current home and your financial profile. Your Vista agent will connect you with a Compass-affiliated lender who will review your situation and provide a specific loan amount and terms.

Bridge Loan rates and fees vary based on loan amount, term, and your financial profile. They are typically higher than traditional mortgage rates because they are short-term instruments. Your Vista agent will help you model the full cost and compare it to the cost of selling first and renting while you search.

Most Bridge Loans have a 6 to 12 month term. The expectation is that you sell your current home within that window and use the proceeds to repay the loan. Your Vista agent will build a realistic timeline for your situation.

Your Vista agent will work to sell your current home as quickly as possible using the full three-phase listing strategy. If the loan term approaches without a sale, the lender will work with you on an extension. Your Vista agent will be proactive about this scenario and plan for it upfront.

Not necessarily. Bridge Loans work best for homeowners with significant equity in their current home who are buying in a competitive market where contingent offers are frequently rejected. Your Vista agent will give you an honest assessment of whether it makes sense for your situation.

Agents

4,929+

Transactions

$447K

Avg. Sale Price

5.0

Zillow Rating

13+

Years in Central TX

Stop losing homes to non-contingent buyers.

A Vista buyer specialist will walk you through the Bridge Loan process and help you determine if it's the right tool for your situation. No commitment required.

254-231-0209 [email protected]

Get Started with Compass Bridge Loans

Explore Compass Programs

Why This Team

Compass Concierge

Listing Strategy

Private Exclusives (Sellers)

Private Exclusives (Buyers)

Collections

Land & Ranch

Development Services

Vista Real Estate Group is a real estate team affiliated with Compass RE Texas, LLC. Compass Concierge, Private Exclusives, Bridge Loans, and Collections are programs offered by Compass. Terms and availability subject to change. This is a design mockup for stakeholder review purposes.