Buy first, sell later
Sell your old home from the comfort of your new one and only move once.
3 min
No credit check
There’s a better way to buy your new dream home
Our cash, your offer. Most people don’t have the cash to compete in an expensive bidding war. YouLand’s Bridge Loan is the perfect solution.
Secure a short-term bridge loan with us and leverage the power of cash offers in a competitive market.
Eliminate multiple moves
Buy your new home and move right in without having to sell your old one first.
Low rates, fast process
Avoid overpaying for your home. Negotiate more effectively and save 1000s compared to buyers using traditional financing methods.
Get a cash-out refinance loan
- Use a cash-out refinance loan from YouLand on your existing home.
- For example, if your property is worth $1,000,000 with a mortgage balance of $500,000, YouLand can offer a cash-out refinance at 75% LTV, providing a loan of $750,000. After paying off the existing mortgage, you receive $250,000 in cash proceeds.
Purchase the house with a bridge loan
- Use the $250,000 cash proceeds as a down payment for your new home.
- YouLand arranges a purchase bridge loan to cover the remaining amount. For instance, if the new property costs $1,200,000, YouLand provides a purchase loan of $950,000.
- Benefit from an all-cash offer with a 3-5 day closing period.
- Complete the appraisal after the transaction, speeding up the buying process.
Sell your first property
- Once settled into your new house, sell your initial property.
- Use the sale proceeds to repay the cash-out refinance loan.
Secure long-term financing
- Refinance the purchase bridge loan into a manageable 30-year mortgage.
- Enjoy your new home with a clear financial plan.
Frequently asked questions
Have questions? Our real estate finance experts are here to help — every step of the way.
Here is a list of property types for which we are unable to offer loans at this time:
- Rural properties
- Commercial real estate, including office, retail, and hospitality
- Mobile homes
- Manufactured homes
- Multi-family in New York and New Jersey
In addition, we are 1st lien only and can’t do 2nd or 3rd.
YouLand is a technology-enabled real estate lender founded in 2017 by Richard Jia, a former private equity investor at Fillmore Capital Partners. We provide fast, flexible, and reliable capital to property investors across the U.S.—whether they’re flipping homes, building ground-up developments, or growing rental portfolios. Backed by deep capital markets expertise, YouLand helps real estate entrepreneurs scale with confidence in the $25B+ bridge lending space.
Yes — we require an appraisal for all our loans to ensure accurate property valuation.
Yes — we believe in full transparency. Our loans include standard fees such as origination, underwriting, and document preparation.
No, you don’t need a business entity to secure a loan with us.
Visit our portal at apply.youland.com, fill out the online application form, and submit the required documentation. Our team will review your application and reach out to you as soon as possible.
We typically fund loans up to $30 million, but we don’t have a hard cap — larger deals can be considered on a case-by-case basis.