Short Home Loans
Buy your dream home now
Sell your old home after

100% financing with no payments until your home sells. The smarter way to buy before selling.

3 min application | Instant qualification

Compare Jib costs when you buy and sell:

Jib
39% less than Closing & Realtor Costs
95.99% less than Bank Mortgage Interest

Short Home Loan States

Jib Short Home Loans, provided through our licensed lending partners, are currently available in the following states. Plus, we're expanding our coverage to help more homeowners in more states.

Arizona

(AZ)

California

(CA)

Colorado

(CO)

Georgia

(GA)

Idaho

(ID)

Michigan

(MI)

Oregon

(OR)

Texas

(TX)Only for moves into Texas

Washington

DC

Washington

(WA)

Calculate Your Borrowing Power

See how much you could borrow based on your home's equity

$1,000,000
$500k$1M$1.5M$2M$2.5M$3M
$500,000
$500k$1M$1.5M$2M$2.5M$3M
Your Home Equity$500,000
Home equity is your home's value minus your mortgage balance
Potential Buying Power$1,500,000
You could buy your next home for this amount while your current home sells
Owner-occupied

Short Home Loan

Buy before you sell

No monthly payments, repay when you sell*
Up to a year
100% bridge loan
Min $300K, max $3M
All loans are provided by our licensed lending partners with pricing from:
2.99%
origination fee
9.99%
interest rate
12.99% APR

Zero to Hero

3-minute application with instant pre-qualification.

Lightning Fast

Fast approval to secure your dream home.

Power Move

Buy like a cash buyer and negotiate with confidence.

Total Freedom

Up to a year to sell your current home on your terms.

How a bridge loan can help you...

Buy Now, Move Now

Use your home's equity to buy your next home before selling. No need to wait or compromise.

Maximum Sale Price

Stage and show your empty home to attract better offers and maximize your sale price.

Cash-Like Power

Make stronger offers that compete with cash buyers to get the best deal on your next home.

Real stories, real moves

See how homeowners like you made their next move with a Short Home Loan

Walking the dog, you spot it: your dream home, just listed

✕No time to prep your current home for sale

✕Traditional lenders say "sell first"

✓Jib says "make your move now, sell when ready"

Baby on the way, perfect family home found

✕Banks say make a contingent offer

✕Sellers won't accept contingencies

✓Jib helps you nest before the due date

Top school's enrollment deadline approaching

✕Perfect house in district just listed

✕Traditional timing means missing enrollment

✓Jib secures your child's future today

New role starts in 60 days across the country

✕Current home won't sell in time

✕Facing expensive temporary housing

✓Jib enables one seamless transition

Contingent offer rejected, perfect home slipping away

✕Seller won't accept contingent offers

✕Can't risk losing another dream home

✓Jib helps you make a strong, non-contingent offer

Closing dates don't align, one month gap to bridge

✕New home closes before current sale

✕Traditional bridge loans take too long

✓Jib bridges the gap with quick, flexible financing

Customer photo
"Jib lets us make a strong, non-contingent offer on our dream homes while taking our time to properly stage and sell our previous house. We can get more cash on our sale because we aren't rushed."
Purchase new home for $700,000
Sell previous home for $610,000
Move in days, not months

Understanding Total Home Purchase Costs

Traditional Path

30yr Mortgage Principal$600,000
Mortgage Interest (6.92% APR)$823,440
Closing & Realtor Costs (9%)$54,000
Temporary Housing (3mo)$9,000
Double Moving Costs$4,000
Total Lifetime Cost$1,490,440

Jib Smart Path

30yr Mortgage Principal$600,000
Mortgage Interest (6.92% APR)$823,440
Closing & Realtor Costs (9%)$54,000
Jib Bridge Loan (2.99% + 3mo)$32,985
Total Lifetime Cost$1,510,425
Net cost difference+$19,985
What you get:
  • Move into your dream home months earlier
  • Move only once, saving time and stress
  • Get the best price for your current home