You ever hear the words “bridge loan” and immediately tune out? Yeah, me too — until I came across this.
Because what Peter Zomick and the team at Arrival Home Loans are doing? It’s not your grandfather’s bridge loan. It’s not even your 2019 bridge loan. This is a single, smart, cross-collateralized solution that solves one of the biggest pain points in today’s real estate market: how to buy a new home before selling your current one — without cashing out your retirement, liquidating assets, or signing your life away.
If you’re an LO, agent, or builder trying to help clients navigate low inventory, financing gaps, or failed contingent offers, this is something you need in your back pocket. Because not knowing about it? That’s already costing you business.
What’s the Real Problem?
Here’s the situation: tons of homeowners want to move — upsize, downsize, relocate, whatever — but they can’t qualify for their next home because they’re still carrying the mortgage on their current one.
Sure, they have equity. But it’s trapped.
What most traditional “buy before you sell” solutions offer are:
- Lowball offers (aka “guaranteed” backup contracts)
- Fees on top of fees
- A crazy short 60-day window to sell at full price
- And the privilege of going through three separate transactions (bridge loan, purchase mortgage, sale)
None of that feels good for the client. And none of it is easy on the LO or agent either.
How Arrival Home Loans Solves This (Without the Headaches)
Peter calls it a “cross-collateralized residential consumer bridge loan,” but here’s the translation:
- One mortgage note
- One set of docs
- One qualification process
- No appraisals in most cases
- No DTI restrictions
And yes — up to 100% Plus LTV on the new home purchase
They’re able to do this by combining the equity in both the departing home and the new property, capping the combined LTV at 75%. That means a downsizer can buy a new place with no cash out of pocket, do the move, paint, stage, and list the old place later — without stress, without feeling rushed.
And in real numbers? The average Arrival loan pays off in about 4.5 months. That’s speed — without compromise.
