For real estate agents

Buyer's financing fell through? Save the closing with a bridge loan

When a buyer's mortgage falls through right before closing, the deal — and your commission — is usually lost. Before you cancel the contract, give us ten minutes to see whether bridge financing can save it.

Investment properties only — we don't finance owner-occupied primary residences.

Buyer declined at the last minute
Debt-to-income ratio too high
Self-employed or bank-statement borrower
Appraisal came in low
Lender pulled financing
Can't close by the contract date

The deal

Property address

State

Closing date

Optional — the contract deadline.

How the property will be used

Purchase price

Property value

Appraised or your best estimate.

Buyer's down payment

The buyer

Why the mortgage fell through

Buyer's credit range

Buyer's annual income

Optional — a rough figure is fine.

You

Your name

Brokerage

Optional.

Phone

Anything else we should know

I have the buyer’s permission to share these details, and I agree to be contacted by United Lending LLC about this transaction by phone, text or email.

Submitting a deal is not an application for credit and does not affect the buyer’s credit. Every transaction is subject to underwriting; we will tell you quickly and honestly whether it is one we can help with.

How it works

01Submit the deal
Ten fields, two minutes. No credit pull, no commitment — just enough for us to evaluate it.
02We call you back fast
A loan officer reviews the deal and calls you — our target is under five minutes during business hours.
03Bridge it, then refinance
If it qualifies, bridge financing can close in as little as 7 business days. The buyer then works toward conventional financing.

Where we can move fastest

Investment, rental and fix & flip purchases
1–4 unit residential, condos, small multifamily
Purchase prices from roughly $150K to $5M
Buyers with 620+ credit and real skin in the game

Not sure the deal fits? Send it anyway. If we can’t help, we’ll tell you quickly so you can keep moving.

In a hurry? Skip the form.

Call or text the deal desk directly — seven days a week, including weekends and holidays.

+1 (347) 680-6800

Before you cancel the contract

Know what actually kills deals at the last minute

New debt, a low appraisal, a DSCR rent shortfall, a lender that pulled out — most last-minute denials come from a handful of causes. See which ones a bridge loan can still rescue.

New debt during escrow
Low appraisal
Self-employed income
Too many properties
Non-warrantable condo
Lender pulled out

Read the guide