Never Lose a Deal, Use a MoFin Bridge Loan For Your Next Fix and Flip or Rehab-to-Hold

Close your loan at up to 90% of purchase price and 100% of rehab costs funded within weeks of applying. Don’t need rehab funds? Want a cash-out loan with no prepayment penalty? Building a house from the ground up? Closed in cash but need money to renovate? We can do all that too.

Bridge Loans | Property Lineart A

Bridge Loan





We’re a solution-oriented team, with fast closing times, and competitive terms for real estate investors looking to fix and flip. Contact us today and see why the majority of our fix & flip loans are made to repeat investors:
Bridge Loans | Property Lineart B
Bridge Loans | Property Lineart C


Not looking to finance rehab/renovation costs? We offer short-term interest-only loans for both quick-close purchases and cash-out refinances with no prepayment penalty to bridge your project to your next move, either a sale or permanent financing.


Funding for land acquisition and 100% of your construction budget.
Bridge Loans | Property Lineart D

Get a quote today for a Bridge Loan!

Submit your scenario today and get a term sheet within one business day.

Bridge Loan

No, you can qualify for your first flip or rehab scenario with us as long as you have a 680+ credit score and meet our source of down-payment & liquidity requirements.

650. If your score is below that, we may still be able to lend to you with compensating or mitigating factors present, like experience, a higher down-payment, liquidity, etc.

It depends on the deal and the real estate investor, it can be as little as 10% for flip/rehab loans and 25% for purchases with no rehab component to the loan. Ground-up differs. Please reach out to us at for a quote.

In 1-3 weeks. It’s best to check in with us and we can let you know.

MoFin currently lends in Alabama, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Washington, West Virginia, Wisconsin and Wyoming. Please reach out to us at if you have any questions.

We are fully transparent and provide you this info before you pay any sort of start up fee, and before we run your credit. After your deal has been pre-qualified by a MoFin team member, you’ll receive a Term Sheet, with a closing cost estimate that lays out the terms of your loan, the monthly payment, and your closing costs. We charge a $299 app/processing fee to move your loan into underwriting. During underwriting, you pay for a full appraisal. At closing, currently, we charge between 2% – 2.5% of the loan amount as our origination fee and a $495 due diligence fee. We do not have any other fees. The other costs associated with our bridge loans are the standard costs for any loan, such as title/recording costs and taxes, and you can pick the title company we work with.

Rates range from 10.25% – 12.75% depending on the scenario and the investor’s experience and credit score.

No, we require that you make monthly payments of interest only until your loan is paid off. The origination fee is paid when your loan closes. For a cash-out refinance loan, closing costs are netted out of the proceeds you receive at closing.

Rehab funds are held-back at closing and released to you in draws as work is completed. We do not provide a draw at closing.

The borrower must have “skin in the game,” and is required to provide the down-payment funds from their own business or personal accounts. You can have a partner to provide capital, but they would need to be part of the loan in some capacity (either as a member of the borrowing entity or as a personal guarantor).

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