SPECIALTY PROGRAMS
Bridge Loans
Buy your next home before selling your current one.
Buy your next home before selling your current one.
A bridge loan is short-term financing that lets you buy a new home before you've sold your existing one. It uses the equity in your current home as collateral, giving you the cash you need to make a down payment, or sometimes the full purchase, without waiting for your current home to sell first.
Bridge loans solve a common problem in active housing markets: the home you want is available now, but your equity is locked up in the home you still need to sell. Without a bridge, you face a difficult choice. Sell first and risk being without a home, or pass on the new property and hope something comparable comes along later.
Bridge loans are a specialty product, not an everyday mortgage. The structure varies meaningfully for each client, and the right approach depends on your equity position, your timeline, and the markets you're buying and selling in. A Thompson Kane loan officer can walk you through whether a bridge loan fits your situation, what it would actually cost, and what alternatives might serve you better.
A bridge loan is short-term financing that lets you buy a new home before you've sold your existing one. It uses the equity in your current home as collateral, giving you the cash you need to make a down payment, or sometimes the full purchase, without waiting for your current home to sell first.
Bridge loans solve a common problem in active housing markets: the home you want is available now, but your equity is locked up in the home you still need to sell. Without a bridge, you face a difficult choice. Sell first and risk being without a home, or pass on the new property and hope something comparable comes along later.
Bridge loans are a specialty product, not an everyday mortgage. The structure varies meaningfully for each client, and the right approach depends on your equity position, your timeline, and the markets you're buying and selling in. A Thompson Kane loan officer can walk you through whether a bridge loan fits your situation, what it would actually cost, and what alternatives might serve you better.
A bridge loan is short-term financing that lets you buy a new home before you've sold your existing one. It uses the equity in your current home as collateral, giving you the cash you need to make a down payment, or sometimes the full purchase, without waiting for your current home to sell first.
Bridge loans solve a common problem in active housing markets: the home you want is available now, but your equity is locked up in the home you still need to sell. Without a bridge, you face a difficult choice. Sell first and risk being without a home, or pass on the new property and hope something comparable comes along later.
Bridge loans are a specialty product, not an everyday mortgage. The structure varies meaningfully for each client, and the right approach depends on your equity position, your timeline, and the markets you're buying and selling in. A Thompson Kane loan officer can walk you through whether a bridge loan fits your situation, what it would actually cost, and what alternatives might serve you better.
Cash Offer Programs
Compete like a cash buyer, even when you're financing.
Compete like a cash buyer, even when you're financing.
In competitive housing markets, cash offers win. They close faster, carry fewer contingencies, and give sellers confidence the deal won't fall apart. The problem is that most buyers aren't sitting on enough cash to buy a home outright, and even those who could often don't want to tie up that much liquidity.
Cash offer programs solve this by letting financed buyers make all-cash offers. From the seller's perspective, the offer looks and behaves like cash. From the buyer's perspective, the financing happens in the background.
Cash offer programs vary considerably, and choosing the right one depends on your market, your timeline, and your financial picture. A Thompson Kane loan officer can walk through how the mortgage piece would be structured. If a cash offer program is the right tool for your situation, we'll help you use it well. If it isn't, we'll be honest about that too.
In competitive housing markets, cash offers win. They close faster, carry fewer contingencies, and give sellers confidence the deal won't fall apart. The problem is that most buyers aren't sitting on enough cash to buy a home outright, and even those who could often don't want to tie up that much liquidity.
Cash offer programs solve this by letting financed buyers make all-cash offers. From the seller's perspective, the offer looks and behaves like cash. From the buyer's perspective, the financing happens in the background.
Cash offer programs vary considerably, and choosing the right one depends on your market, your timeline, and your financial picture. A Thompson Kane loan officer can walk through how the mortgage piece would be structured. If a cash offer program is the right tool for your situation, we'll help you use it well. If it isn't, we'll be honest about that too.
In competitive housing markets, cash offers win. They close faster, carry fewer contingencies, and give sellers confidence the deal won't fall apart. The problem is that most buyers aren't sitting on enough cash to buy a home outright, and even those who could often don't want to tie up that much liquidity.
Cash offer programs solve this by letting financed buyers make all-cash offers. From the seller's perspective, the offer looks and behaves like cash. From the buyer's perspective, the financing happens in the background.
Cash offer programs vary considerably, and choosing the right one depends on your market, your timeline, and your financial picture. A Thompson Kane loan officer can walk through how the mortgage piece would be structured. If a cash offer program is the right tool for your situation, we'll help you use it well. If it isn't, we'll be honest about that too.
Jumbo Loans
Finance a home that exceeds conventional loan limits.
Finance a home that exceeds conventional loan limits.
A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In most of the country, the conforming limit for a single-family home in 2026 is $832,750. In high-cost markets such as parts of California, New York, and the Washington, D.C. metro area, that limit rises to $1,249,125. Any loan amount above the applicable limit requires jumbo financing.
Jumbo loans are non-conforming, meaning they aren't purchased or guaranteed by Fannie Mae or Freddie Mac. Because they're held or sold through private channels rather than the agency market, loan terms and qualification requirements can look different from what you've seen on a conforming loan.
Jumbo loans aren't a commodity product. Terms, requirements, and available structures vary, and how a lender prices them matters. A Thompson Kane loan officer can walk through what you'd realistically qualify for, what the loan would actually cost, and whether the structure you're considering fits your longer-term financial picture.
A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In most of the country, the conforming limit for a single-family home in 2026 is $832,750. In high-cost markets such as parts of California, New York, and the Washington, D.C. metro area, that limit rises to $1,249,125. Any loan amount above the applicable limit requires jumbo financing.
Jumbo loans are non-conforming, meaning they aren't purchased or guaranteed by Fannie Mae or Freddie Mac. Because they're held or sold through private channels rather than the agency market, loan terms and qualification requirements can look different from what you've seen on a conforming loan.
Jumbo loans aren't a commodity product. Terms, requirements, and available structures vary, and how a lender prices them matters. A Thompson Kane loan officer can walk through what you'd realistically qualify for, what the loan would actually cost, and whether the structure you're considering fits your longer-term financial picture.
A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. In most of the country, the conforming limit for a single-family home in 2026 is $832,750. In high-cost markets such as parts of California, New York, and the Washington, D.C. metro area, that limit rises to $1,249,125. Any loan amount above the applicable limit requires jumbo financing.
Jumbo loans are non-conforming, meaning they aren't purchased or guaranteed by Fannie Mae or Freddie Mac. Because they're held or sold through private channels rather than the agency market, loan terms and qualification requirements can look different from what you've seen on a conforming loan.
Jumbo loans aren't a commodity product. Terms, requirements, and available structures vary, and how a lender prices them matters. A Thompson Kane loan officer can walk through what you'd realistically qualify for, what the loan would actually cost, and whether the structure you're considering fits your longer-term financial picture.
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Ready to start your journey to home ownership?
Ready to start your journey to home ownership?
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©2026 Thompson Kane & Co., Inc. • NMLS# 898428 • 8040 Excelsior Dr, Suite 100, Madison, WI 53717
©2026 Thompson Kane & Co., Inc
NMLS# 898428
8040 Excelsior Dr, Suite 100
Madison, WI 53717
©2026 Thompson Kane & Co., Inc. • NMLS# 898428
8040 EXCELSIOR DR, Suite 100, Madison, WI 53717