Bridge loans that keep your next deal moving.
Acquire or refinance investment property on your timeline — 12-month interest-only financing while you line up your sale or long-term refinance.
Up to 80%
LTV on Purchase
$100K - $3M
Loan Amount
12 Months
+ Extension Options
None
Prepayment Penalty
Bridge Loans
Short-term capital for
acquisitions and refinances
An AMP Mortgage Bridge loan finances the purchase or refinance of a residential investment property while you position your exit. Fixed-rate, interest-only, and free of prepayment penalties — so you keep your options open.
Planning renovations? Our Fix & Flip / Renovation program combines purchase and rehab funding in one loan.
Program Highlights
Purchase, rate-and-term, and cash-out refinance
Up to 80% LTV on purchase · up to 75% on rate-and-term · up to 70% on cash-out
Fixed rate, interest-only payments, balloon at maturity
12-month base term with up to two 3-month extensions for qualified borrowers
Delayed-purchase financing for properties bought all-cash within the last 180 days
All experience levels welcome — from first-time investors to full-time operators
Program Details
Three ways to bridge
Core Program
1–4 Unit Bridge
Loan size
$100K – $3M
Max LTV (purchase)
Up to 80%
Max LTV (rate-and-term)
Up to 75%
Max LTV (cash-out)
Up to 70%
Term
12 mo + extensions
Experience
All tiers
Experienced Investors
5–9 Unit Bridge
Loan size
$500K – $3M
Leverage
Matches 1–4 unit caps
Valuation
Commercial-grade appraisal
Underwriting
Rent roll + lease analysis
Term
12 mo + extensions
Experience
3+ completed projects
Scale Your Portfolio
Portfolio Bridge — multiple properties, one loan
Cross-collateralize 5 to 9 individually qualifying 1–4 unit properties in the same state under a single note — one closing, one payment, with property-level release options as you sell.
Aggregate loan size
$500K – $3M
Properties per loan
5 – 9 (min. $100K allocated each)
Transaction types
Purchase & rate-and-term refinance
Experience
3+ completed projects
Collateral
Eligible property types
-
Single-family residences
-
2–4 unit residential
-
5–9 unit residential
-
Condominiums
-
Townhouses
-
PUDs
-
Modular homes
Non-owner-occupied, business-purpose only. Property must be habitable at closing or carry a documented repair escrow — properties needing substantial work belong in our Renovation program.
How It Works
From application to funding
01
Apply
Tell us about your deal — property, purchase price or payoff, and your exit plan.
02
Underwrite
We order the appraisal and verify your experience, credit, and liquidity while you focus on the deal.
03
Close
Fixed-rate, interest-only loan closes with six months of interest reserves escrowed.
04
Exit
Sell or refinance whenever you're ready — there's no prepayment penalty on standard terms.