Swing Loans · The Consumer Protection Brokerage
Buy your next home before you sell this one.
The house you want will not wait for your house to sell. A swing loan bridges the gap: tap your equity, write a non-contingent offer, move once, and sell your old home on your own timeline.
The process
How a swing loan works
- 1
Tap the equity in your current home
A swing loan, also called a bridge loan, uses the equity you already have to fund the purchase of your next home before your current one sells.
- 2
Write a non-contingent offer
With short-term financing in place, your offer does not depend on selling your current house first. Sellers see less risk, and less risk wins.
- 3
Move once, on your timeline
Close on the new home, move in, and then sell your old home empty and on your schedule instead of juggling two transactions on the same day.
- 4
Pay it off when the old home sells
Swing loans are short-term by design. You repay when your current home sells, or refinance into a traditional long-term mortgage.
Costs and transparency
A flat fee, and the numbers up front
Most mortgage companies mark up rates and fees, and you never see it. Arrivva charges a flat $5,750 broker fee regardless of loan size, and we never run your credit unless we both agree. Short-term financing carries a higher rate than a standard mortgage because it is temporary. We lay out the full cost of your swing loan before you commit to anything.
Common questions
Swing loans, explained
What is a swing loan in real estate?
A swing loan, also called a bridge loan, is short-term financing that lets you buy your next home before selling your current one. It bridges the gap between the two transactions, typically using the equity in your existing home.
Why use a swing loan instead of a contingent offer?
Offers contingent on selling your current home carry risk, and sellers compare risk as much as price. A swing loan removes the sale contingency so your offer stands on its own. It also means you move once instead of scrambling to line up two closings.
What does a swing loan cost with Arrivva?
Arrivva's broker fee is a flat $5,750, our complete lender and borrower compensation, fixed regardless of loan size. Short-term financing also carries lender fees and a higher rate than a standard mortgage because the loan is temporary and built for speed. We show you the numbers for your exact scenario before you commit.
How long do people keep a swing loan?
Not long. Swing loans are short-term by design. Most borrowers pay them off when the old home sells or refinance into a traditional mortgage shortly after closing.
How is a swing loan different from the cash buyer program?
Both are short-term interim financing built for speed and certainty. A swing loan is aimed at owners who need to buy before they sell. The cash buyer program positions any qualified buyer to close like cash in about 10 days, then refinance. We will help you pick the right tool.
Where does Arrivva arrange swing loans?
Arrivva's mortgage brokerage operates in California, Washington, Texas, Florida, and Pennsylvania. Contact us and we will confirm availability for your scenario quickly.
Found the next house already?
Tell us about both properties and we will show you what a swing loan looks like for your exact scenario.
Calls and texts are answered by Amy, our AI assistant, who can answer questions and help you book.