Side by side
| Bridge Loan | HELOC | |
|---|---|---|
| Speed | 1–3 weeks | 2–6 weeks |
| Cost | Higher | Lower |
| Collateral | Property being bought | Your existing home |
| Term | 6–24 months | 10-year draw typical |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
Explore each option
Investment property
Bridge Loans
A bridge loan is short-term (usually 6–24 months) investor financing secured by real estate that “bridges” you from a purchase to a sale or long-term refinance.
Learn more ›
Home loanCash-Out Refinance
A cash-out refinance replaces your current mortgage with a larger one and pays you the difference in cash, commonly up to 80% of your home’s value on a primary residence.
Learn more ›
Other comparisons
- DSCR Loan vs Conventional Investment Loan
- Bank Statement Loan vs Conventional Loan
- FHA Loan vs Conventional Loan
- VA Loan vs FHA Loan
- Fix and Flip Loan vs Hard Money Loan
- Cash-Out Refinance vs HELOC
- DSCR Loan vs Bank Statement Loan
- Lender-Paid Compensation vs Borrower-Paid Compensation
- Fixed-Rate Mortgage vs Adjustable-Rate Mortgage
- DSCR Loans vs Hard Money Loans
- Bank Statement Loans vs Conventional Loans
- Fix and Flip Loans vs HELOC for Renovations
- Cash-Out Refinance vs HELOC for Investors
- FHA Loan vs Conventional Loan
- 15-Year Mortgage vs 30-Year Mortgage
- Buying a Rental with Cash vs Financing a Rental Property
- Local Mortgage Broker vs Rocket Mortgage
- USDA Loan vs FHA Loan
- HELOC vs Home Equity Loan
- DSCR Loan vs Hard Money Loan
- 15-Year Mortgage vs 30-Year Mortgage
- Second Home Loan vs Investment Property Loan
- Warrantable Condo vs Non-Warrantable Condo