Don’t Let a Contingent Offer Hold You Back

At McGowan Mortgages, we understand the challenges of buying a new home while still owning your current one. That’s why we created the Better Than a Bridge Loan — a smarter alternative that gives you immediate access to equity without the high cost and hassle of a traditional bridge loan.

💡 How It Works

With our Instant HELOC, you can access the equity in your current home quickly — often in just a few days — and use those funds to buy your next home non-contingent. Then, once you’ve moved, you can sell your old home on your timeline.

✅ Key Benefits of the Better Than a Bridge Loan

Quick HELOC Access
Tap into your equity and get funds in as little as one week.
No Mortgage Insurance or Complex Terms
Enjoy straightforward financing without the confusion of bridge loans.
Lower Interest Rates
Take advantage of conventional Fannie/Freddie financing for a better deal.
Avoid Traditional Bridge Loan Hassles
Skip the high rates and long holding periods common with standard bridge loans.
Non-Contingent Offers Win
Sellers love clean offers. Stand out by buying before selling, without the catch.
Sell on Your Own Terms
Move when you’re ready. No rush. No pressure.

🔓 Secure Your Buying Power Today

Instant equity access
Stronger negotiating position
Greater timeline flexibility

📌 Perfect for Homeowners Who Want to:

Upgrade to a new home without waiting to sell their current one
Avoid carrying two mortgages long-term
Skip the stress of rushed sales and moving deadlines

🎥 Watch the Video

🏡 Let’s Get You Moving – The Better Way

Don’t settle for a traditional bridge loan. With McGowan Mortgages’ Better Than a Bridge Loan, you’ll gain more power, more options, and more peace of mind. Let us help you move forward with confidence.

📞 Call now: (816) 631-9687
📍 Based in Kansas City, MO – Licensed in over 40 states

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See What Our Clients Are Saying About Us!

Excellent

Based on 234 reviews

They was there the whole way love them guys Tim became family and was very helpful with any information he explained it to where you can understand it correctly to your way of knowing and understanding

Chris L.

Super helpful

Marcia H.

I had an excellent experience with McGowan Mortgages. The HELOC process was seamless and easy- which is everything to me because my schedule can get hectic at times. So to have a company that helped make the process smooth was SO nice. Plus, they were able to get me the funds asap which was crucial to the timing and purchase of a property. I would recommend to everyone!

Vickie P.

PURCHASE YOUR HOME WITH MCGOWAN MORTAGE 💞💞I had the best experience ever working with the the staff of McGowan Mortgage ,I built the best relationship through text messages,emails and phone calls Kammi was amazing but when Mr. Derek stepped in it he completed the task himself it was an awesome experience and I recommend this company to everyone in the world ❤️❤️❤️❤️

Carlos O.

Nick M.

They made the whole process super easy and I was able to close quick with a low interest rate. I will definitely use them again for my next home and refinancing.

Lindsay B.

We loved working with McGowan! It was our first time buying a house, and we were so overwhelemed. They were supportive the whole way through and patient explaining everything so we could make the best decisions on our loan choice, how much to put down, saving for closing, etc. Very responsive and could tell genuily care. :)

soran I.

Derek and his team worked tirelessly to get us approved and into our new house, all around the clock. We have worked with several other lenders and can confidently say that the McGowan group far exceeded our expectations. They listened, explained, and walked us through every step. I would recommend McGowan Mortgages 100% with no hesitation to anyone thinking about buying a home. Their level of expertise, especially in this market, will make the difference in securing the house of your dreams with rates you can afford or having made the biggest mistake of your life. I will always come back and know that they are there for my family and I, with any questions we have. I can’t thank the McGowan team enough for their professionalism and dedication to our family during a difficult process made easy.

Summer W.

Myron M.

My Team was fast and very flexible. I appreciate them helping us with our first DSCR Loan. 10/10

addam B.

Dylan P.

Claudia P.

The team was phenomenal to work with and extremely helpful every step of the way. I recommend them to anyone purchasing or refinance their home.

Max D.

McGowan Mortgage was outstanding for both my primary home purchase and an investment property. Their speed was exceptional—everything moved efficiently without ever feeling rushed. The team’s knowledge was clear at every step, from structuring the loans to explaining options in a way that actually made sense. Most impressive was the communication: proactive, responsive, and transparent throughout the entire process. I always knew where things stood and what was coming next. I wouldn’t hesitate to recommend McGowan Mortgage to anyone looking for a smooth, professional mortgage experience.

Rogilyn M.

Fantastic company with a knowledgeable and supportive team. Great processes, clear communication, and a strong commitment to quality. Highly recommend!

Reyn B.

THE BEST!

Spartacus 7.

I am very grateful with McGowan Mortgages, they helped me to get the mortgage for my new house last year, especially when most banks told me it was too difficult or even impossible because I am a self employed, McGowan made simple and possible, I truly recommend them.

Hunter B.

There team is great they worked together to get my heloc funded in 9 days, when I was on a time crunch!!

Maxwell J.

If you want a mortgage lender who is responsive, sharp, honest, and relentless, Max Disser is the guy. We purchased our home in November 2024, and since this was my first home purchase, I expected the process to be stressful and confusing. On top of that, we used a VA loan, which can come with extra steps and specific requirements. Max handled everything like a total professional and made the entire process feel smooth, organized, and completely manageable. He communicated clearly, stayed ahead of deadlines, and always made sure I understood what was happening at every stage. Anytime I had a question, Max responded quickly and confidently, and I never felt left in the dark. What really stood out was how knowledgeable he was with the VA loan process and how well he worked with me as a veteran. He didn’t just “process a loan” — he genuinely cared and made sure I was taken care of from start to finish. If you’re a first-time buyer or a veteran looking to use your VA benefits, I highly recommend Max Disser and the McGowan Mortgages team.

D. B.

Derek and his team worked to find a tailored solution for my circumstance. Responsive and detailed team that will work to find the best product that meets your goals. I would highly recommend this company!

Jacob S.

Derek has a great team, and while the process wasn't without hiccups, his team was great to work with and helped every step of the way.

matt B.

Derek got us set up and approved fast so we could put in offers on homes quickly. We got our place and the experience was great. Also during the process as questions or concerns came up he answered quickly and was very professional . We look forward to working with Derek and the McGowan team for future investments.

Paul S.

I have never met a group of people who are experienced when it comes to home buying. It was my first time purchasing a home. I didn't know how to start the home buying process. I was introduced to Tiana, Jessica, Derek and their team who stood up with me and my daughter from the beginning to the end. We were in our house in a timely manner. We will like to say thanks to Derek and his team. ⭐⭐⭐⭐⭐

Joann Ross S.

I have a good experience working with McGowan Mortgage all the team make my dream come true in my new house they move so fast and when I almost give up they jump and do everything always with a good communication no matter the hour always I have the answer thanks for everything you and you team are A plus. Thanks to everyone work with me ( Megan, Analise, Tatiana and Derek)

Kaylie W.

Thank you Max for all of your assistance! Your knowledge and customer service was outstanding and we are so thankful for your patience with us. Highly recommend connect with Max if you are shopping for rates and mortgage options! Had the pleasure of speaking with Derek and Thao at an event and they are just such great and kind individuals! Appreciate you all!

Andrew H.

Good help when needed all through the processes

Tina L.

Cindy initially reached out to me, and then Julie followed up to help me see where I stand with buying a home since I’m looking into it for next year. She gave me a clear plan moving forward, and I really appreciate that it didn’t feel pushy at all. McGowan Mortgages truly seem like they care more about their customers than just pushing out numbers, and I’m excited to use them next year when I’m ready.

Stephanie D.

Better Than a Bridge Loan Program