Because you shouldn't have to sweat the timing, we're with you.

Bridge loans act as short-term financing on homes listed for sale, spanning the gap between the sale of one primary residence and the purchase of another. This loan is a revolving line of credit intended for borrowers who would like to take out available equity on a current primary residence to put towards a down payment on a new home purchase transaction of a primary residence.

How does a bridge loan work?

  1. ACFCU determines the value of your current home through an appraisal

  2. We calculate your current home's equity by using the appraised value and subtracting your current mortgage and/or home equity line of credit from the balance

  3. You can borrow up to 80% of your home's equity (per the above calculation) to use as your next home's down payment

  4. You make interest-only payments on the bridge loan, keeping your payments lower and manageable until you sell your other home

  5. When your home sells, the bridge loan is paid off


  • Borrow up to 80% of your current home's value

  • Interest only payments

  • Allows you to freely house-hunt

  • 12-month term

We're with you when and where you need us. To get started:

The Fine Print

Loan and membership requirements apply. Federally insured by NCUA.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 477974

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