At its core, a bridge loan helps homeowners unlock equity from their current home so they can buy their next home before selling. This gives buyers flexibility, strengthens their offers, and reduces the stress of trying to perfectly time two transactions.
What sets the Knock Bridge Loan™ apart is how it's designed around certainty, transparency, and simplicity:
- Fair, upfront pricing
- No fees to lenders or agents
- Removes mortgage from DTI
- Allows for non-contingent offers
- 6 months of mortgage payments
In certain situations, a bridge loan can play a key role in creating a smoother transition into a new home. Here are a few common scenarios where it makes sense.
1. Clients with Significant Equity in Their Current Home
Best fit if:
- The client owns a home with equity invested
- A large portion of their down payment or closing costs is tied up in that equity
- Selling first would limit their buying power
With the Knock Bridge Loan™, buyers can leverage the equity in their current home to move forward without waiting to sell or rushing a listing.
"What to listen for":
"We can afford the new home once ours sells."
"Our down payment is coming from our current house."
2. Clients Competing in a Tight or Competitive Market
Best fit if:
- The client is making offers in competitive markets
- Contingencies are putting them at a disadvantage
- They've lost out on homes due to a home-sale contingency
Knock enables buyers to make non-contingent offers, giving them a stronger position with sellers and helping them compete more effectively.
What to listen for:
"We keep getting beat by stronger offers."
"Sellers don't want to accept our contingency."
3. Move-Up Buyers Who Need More Qualification Flexibility
Best fit if:
- The client is buying a more expensive home
- Their debt-to-income ratio improves once their current mortgage and debt is paid off
- They're close on qualification but need more flexibility
With Knock Bridge Loan Plus™, the departing home's mortgage can be paid off rather than just covered, removing PITI from DTI and helping borrowers qualify more comfortably while saving interest during the transition.
What to listen for:
"We qualify better once our current mortgage is gone."
"We're tight on DTI until we sell."
4. Clients Who Want to Avoid Double Moves and Temporary Housing
Best fit if:
- The client wants to move once, not twice
- Temporary housing isn't appealing or practical
- They want control over the timing of their sale
Knock allows buyers to buy first, move once, and sell after, helping them skip double moves, repairs, and rushed showings while moving on their timeline.
What to listen for:
"We don't want to move twice."
"We don't want to rush the sale just to line things up."
5. Clients Who Value Certainty and Transparency
Best fit if:
- The client is anxious about timing, logistics, or market conditions
- They want clarity upfront rather than uncertainty
- They prefer knowing their options before listing
Knock's education-first approach and upfront pricing help remove guesswork from the process, giving buyers more confidence and control as they plan their move.
What to listen for:
"We want to understand our options before we list."
"We don't want surprises."
Who May Not Be the Best Fit
A bridge loan may not be ideal for clients who:
- Are first-time homebuyers without a home to sell
- Have little to no equity in their current home
- Are in less competitive markets where non-contingent offers provide limited advantage
- Don't mind navigating the complexity of timing their sale, purchase, and move on their own, rather than simplify the process
The goal isn't to use a bridge loan in every situation, it's to use it strategically when it truly adds value.
The Takeaway
The best bridge loan conversations don't start with the product, they start with the client's situation.
When you listen for equity, timing challenges, competitiveness, and stress around the process, solutions like the Knock Bridge Loan™ often emerge as a smarter way forward.
Used thoughtfully, Knock helps turn a complex transition into a confident next step.