Bridge loan documents & origination, start to close
Price a bridge loan in minutes, read the title and appraisal the deal needs, and generate the state-specific closing package from attorney-drafted templates — all under your own brand, in one engine you own.
A bridge loan is short-term, usually interest-only financing secured by real estate that a borrower uses to “bridge” a timing gap — buying before selling, closing fast, or holding a property while they line up permanent financing or a sale. In business-purpose lending it typically runs 6–24 months with a balloon at maturity.
To produce its documents, docOrder quotes the deal from your own LTV rules, has the borrower e-sign a branded term sheet, orders appraisal and title to your vendors, reads those reports to populate the file, and then assembles the note, security instrument, and riders from attorney-drafted templates by deterministic find-and-replace — unlimited, with no per-deal document fee.
How docOrder handles a bridge loan
One branded link runs the file from quote to closing package. Here is the path a bridge deal takes through the engine.
Quote from your own rules
A borrower or broker opens your branded link and prices the bridge deal in about two minutes — no credit pull — against the LTV, rate, and point rules you set.
Term sheet e-signed, file opens
The quote becomes a branded term sheet the borrower e-signs online. The moment they sign, the file opens at the front of your pipeline.
Appraisal & title ordered to your vendors
The valuation and title/escrow orders go to your pre-programmed vendors on your timing — borrower and broker contacts included, nothing re-typed.
Documents read into the file
Title commitment (vesting, legal description, APN, Schedule B) and the appraisal are read into the file and cross-checked — the APN on title is matched against the appraisal before anything is trusted.
One click: the closing package
When every field is collected and verified, your state-specific bridge package — note, mortgage or deed of trust, loan agreement, and guaranty — generates in one click from attorney-drafted templates.
Documents a bridge loan needs
A business-purpose bridge file is light on borrower paperwork and heavy on the collateral. Here is what it usually takes, and what the engine produces at the end.
Intake & underwriting
- Borrower / guarantor ID
- Entity formation docs (if the borrower is an LLC or corp)
- Purchase contract (purchase) or payoff statement (refinance)
- Title commitment / preliminary report
- Appraisal or valuation of the collateral
- Evidence of hazard insurance
- Payoff or exit plan / takeout evidence
Closing package the engine generates
- Promissory note (interest-only, with balloon)
- Mortgage or deed of trust (state-specific instrument)
- Loan agreement
- Personal guaranty (entity borrowers)
- Business-purpose / non-owner-occupied certifications
- State-specific riders & disclosures from attorney-drafted templates
Typical bridge loan terms
What these loans commonly look like in the business-purpose market, so you can set your own box.
| Term | Typical market range |
|---|---|
| Term | 6–24 months, interest-only |
| Loan-to-value | up to ~65–75% of as-is value, property dependent |
| Rate | higher than conventional; set by the lender |
| Points | ~1–3 origination points |
| Repayment | interest-only with a balloon at maturity |
| Purpose | business-purpose / non-owner-occupied only |
Ranges above are common business-purpose market terms for context only — not a docOrder product, offer, or guarantee. You set your own pricing and credit box; the engine quotes every deal from your own LTV and rate rules.
How the engine quotes, reads & generates it
Quoting. The pricing engine runs any bridge scenario — purchase, refinance, or cash-out — from your own LTV and rate rules and turns it into a branded term sheet the borrower e-signs. You decide the box; the engine does the math and the paper.
Reading. As title and appraisal come back — uploaded, or simply emailed to the file — the engine reads them into the record: vesting pulled verbatim from title, legal description and APN captured, Schedule B noted, and the appraised value tied to the deal. It flags wrong-party and placeholder defects, and blocks generation if the APN on title and appraisal disagree.
Generating. Your bridge closing package is assembled by deterministic find-and-replace from attorney-drafted templates — the legal templates and the loan documents the engine produces never go to an outside AI. Every field is verified and every render is swept for leftover placeholders before the package ships. Generation is included and unlimited on every plan, with no per-deal document fee, across 38 states and growing.
Bridge loan FAQ
The questions lenders ask most about bridge loans and producing their documents.
What is a bridge loan?
A bridge loan is short-term, usually interest-only financing secured by real estate that a borrower uses to bridge a timing gap, such as buying a new property before selling another or closing quickly while arranging permanent financing or a sale. In business-purpose lending it commonly runs 6 to 24 months with a balloon payment at maturity.
What documents do you need to close a bridge loan?
Intake usually includes borrower and guarantor ID, entity formation documents if the borrower is an entity, a purchase contract or payoff statement, a title commitment, an appraisal or valuation, and evidence of insurance. The closing package typically contains the promissory note, the mortgage or deed of trust, a loan agreement, a personal guaranty for entity borrowers, and state-specific riders.
What are typical bridge loan terms?
Bridge loans are commonly 6 to 24 months, interest-only, with loan-to-value up to roughly 65 to 75 percent of as-is value depending on property type, one to three origination points, and a balloon at maturity. These are general market ranges; the lender sets the actual terms, and docOrder quotes each deal from the lender's own rules.
How does docOrder generate bridge loan documents?
docOrder assembles the closing package by deterministic find-and-replace from attorney-drafted templates. It verifies every field, sweeps each render for leftover placeholders, and produces the right instrument and governing-law convention for the state. Your legal templates and the loan documents it generates never go to an outside AI.
Does docOrder set the rate or decide the loan?
No. docOrder is neutral software, not a lender, broker, or law firm. You set your own LTV, rate, and credit rules; the engine prices each deal from those rules, reads the documents, and generates paper from the templates your attorney approved.
Can docOrder read the title commitment and appraisal on a bridge deal?
Yes. It reads title commitments and appraisals into the file, pulling vesting verbatim, capturing the legal description, APN, and Schedule B, and tying the appraised value to the deal. It cross-checks the APN across title and appraisal and blocks document generation if they disagree.
Is there a per-document fee for bridge loan documents?
No. Loan-document generation is included and unlimited on every plan, starting from $19 per month. You can generate as many bridge closing packages and redraws as your files need with no per-deal or per-document charge.
Other loan types
docOrder runs the whole business-purpose desk. Explore the rest.
Run your bridge closings under your own brand.
Quote it, read the documents, and generate the state-specific closing package from attorney-drafted templates — one engine you own, live in minutes.