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Navigating the process of buying a new home in West Columbia, TX while selling your current one can be challenging. Horizon Lending Services' Bridge Loan program provides an ideal solution for a smooth transition, especially in today's competitive market where contingency offers are frequently not accepted.
Start by listing your current home for sale in West Columbia, TX or getting it ready for the market.
Identify the new home you want to buy in West Columbia, TX, make an offer, and reach an agreement with the seller. You can then proceed with the purchase using our bridge loan.
Our bridge loan program in West Columbia, TX often does not require a down payment, freeing you from the need to come up with additional funds.
After your current home sells, we use the profits in West Columbia, TX to pay down the bridge loan balance, including any accrued interest.
Finally, we help you refinance into a traditional permanent mortgage in West Columbia, TX. You can choose to roll in all closing costs during this process, potentially requiring no money at the closing table.
Many of our bridge loans in West Columbia, TX do not require a down payment, making it easier for you to transition to your new home.
You don’t need to qualify for both mortgage payments simultaneously.
Bridge loan payments in West Columbia, TX may be deferred, meaning no payments are due while you are using the bridge loan.
You can pay off the bridge loan early without any penalties.
Our bridge loan in West Columbia, TX provides the financial flexibility and convenience you need to buy a new home without waiting for your current home to sell, avoiding the hassle of managing two mortgages or making contingent offers. We handle the details, ensuring a seamless transition from your bridge loan in West Columbia, TX to permanent mortgage financing, making the process as smooth as possible for you.
Ready to make your move? Contact us today to get started!
Bridge loans offer quick access to funds for homeowners in West Columbia, Texas, allowing them to bridge the gap between buying a new home and selling their current one. This flexibility can be a significant advantage, especially in a competitive real estate market like West Columbia. Demographically, West Columbia is a charming small town in Texas with a population of around 4,300 residents. The town boasts a strong sense of community, excellent schools, and a low crime rate, making it an attractive place for families and individuals looking for a peaceful yet vibrant environment. When it comes to the housing market, West Columbia offers a mix of historic homes, new developments, and spacious properties with ample land. The market is currently stable, with steady growth in property values and a range of affordable housing options, making it an ideal location for both first-time buyers and experienced investors. Some of the main attractions in West Columbia include the Columbia Historical Museum, the Varner-Hogg Plantation State Historic Site, and the beautiful Brazos Bend State Park, offering residents and visitors plenty of opportunities for recreation, education, and outdoor activities.
Benefits of Bridge Loans in West Columbia, Texas
