Bridge-to-Sale Financing

Bought First. Sold on Their Terms.

Bridge financing, simultaneous buy/sell, and no portfolio liquidation required.

Robert Boladian, CMPS® CLA® · Mission Pacific Mortgage · For advisor use · Confidential

Client Situation

A couple in their late 50s found their ideal retirement home in Rancho Santa Fe while still owning their existing San Diego property. Their financial advisor flagged the situation after the clients mentioned they might liquidate investments to make the numbers work.

$520KPortfolio PreservedZero liquidation required

21Days to CloseNew purchase closed before existing sale

~$85KSale Premium CapturedCompared with a time-pressured offer

How It Worked

The Problem

The new purchase required $880K down while equity was locked in the existing home.
The clients were considering liquidating $520K from managed investments to bridge the gap.

The Structure

A bridge loan was secured against the existing property to access equity without selling first.
The bridge loan was retired when the existing home sold.

The Result

The $520K investment portfolio stayed intact and invested throughout.
The existing home sold for approximately $85K more than the time-pressured offer.

What This Means for the Advisor

→ The $520K in managed assets stayed invested throughout the transaction. At a 1% advisory fee, that is $5,200 per year retained.

→ The FA flagged the issue before liquidation. That proactive coordination is part of the advisor value clients remember.

“We were told our only options were sell first or liquidate. Robert found a third option we didn’t know existed. Our advisor caught it before we made a decision we couldn’t undo.”

Client · Married couple, late 50s · San Diego / Rancho Santa Fe purchase

Have a client buying and selling at the same time? The window can be short.

Bridge financing works best when the financing and sale plan are coordinated early.

BOOK A PARTNER CALL

Outcomes anonymized. Results may vary. Figures and timelines reflect the facts of a single transaction and should not be relied upon as a projection for any other. Bridge financing carries risk. If the existing property does not sell as anticipated, the borrower may carry two mortgage obligations at the same time. Availability, terms, and closing timelines depend on borrower-specific facts and property conditions.

Robert Boladian, CMPS®, CLA® · NMLS #14241 · (760) 828-7444 · [email protected]
Mission Pacific Mortgage · EAB Holdings, Inc. NMLS #1786785 · DFPI Licensed · San Diego, CA