Your funding request has been conditionally approved through the Bridge2Sell program. Here's exactly how it works, what you receive, and how you keep control of your home's value.
You access your equity now, stay in your home, and hold a locked-in option to buy it back or sell — with any upside remaining yours.
For the security of both parties, the deed to the property at 5646 Hesper Road, Billings, MT 59106 is held in a trust that exists solely for this transaction and dissolves upon repurchase or sale. Your existing underlying mortgage remains in place. You and Bridge2Sell are the trust's beneficiaries — you keep equitable title and the right to live in your home, and Bridge2Sell holds a beneficial interest equal to the repurchase amount.
You sign a lease granting you full possession for up to 24 months. Your lease payments are prepaid and built into the transaction — nothing new out of pocket each month. Any prepaid months you don't use are prorated to your sale date and credited back.
A binding Option Agreement locks in your price. At any point within the term you can buy your home back at the locked-in option price, or sell it to a third party. If you sell, you receive the net proceeds above the option price. Either way, the property is sold no later than 24 months.
This transaction will be completed subject-to your underlying mortgage remaining in place. You will be responsible for all mortgage payments, property taxes, and insurance on the property. You must provide proof of mortgage payments being made to the Trustee on a monthly basis. In the event you fall behind three (3) or more mortgage payments, the Trustee shall be directed to liquidate the property to protect the interests of all parties.
If the collateral must be liquidated to satisfy the repurchase, Bridge2Sell and/or its affiliates are entitled only to the amount agreed in this proposal. Any equity above the repurchase amount belongs to you. Any appreciation in the value of the property also belongs to you.
THIS IS NOT A PERSONAL LOAN, MORTGAGE, LAND CONTRACT OR OTHERWISE. YOU SHOULD CONSULT WITH AN ATTORNEY TO UNDERSTAND YOUR RIGHTS AND OBLIGATIONS UNDER THE CONTEMPLATED TRANSACTION. YOU MAY ALSO WISH TO CONSULT WITH A FINANCIAL, TAX, OR REAL ESTATE PROFESSIONAL PRIOR TO SIGNING THIS PROPOSAL OR THE PURCHASE AND SALE AGREEMENT.
Every line is set out in full below. Final title, insurance, and tax costs are confirmed by the title company at closing.
| Estimated Proceeds (cash to you at closing) | $150,000.00 |
| Closing costs & prepaids paid at closing | |
| Pre-Paid Lease Payments (24 × $1,739.37) | $41,744.80 |
| Title / Closing | $4,000.00 |
| Admin Fee | $1,997.00 |
| Estimated Purchase Amount | $197,741.80 |
| Fees | |
| Option Fee | $39,548.36 |
| Exit Fee | $1,977.42 |
| Fees Subtotal | $41,525.78 |
| Total | $239,267.57 |
| Credits — if repurchased within the first 12 months | |
| 12 pre-paid lease payments credited back | −$20,872.40 |
| Credits Subtotal | −$20,872.40 |
| Estimated Option-to-Purchase Price — Year 1 (within 12 months) | $218,395.18 |
Term: 24 months — a 12-month option with an automatic 12-month extension (Year 2). Your existing first mortgage stays in place throughout and you remain responsible for it. During Year 2 the Option-to-Purchase Price steps up each month until the time of sale — see the schedule on the next page. You may repurchase your home, or sell it, at any point within the term; the property is sold no later than month 24.
Your lease is prepaid at closing and included in your Purchase Amount. If you repurchase within the first 12 months, 12 lease payments are credited back — reflected in your Year-1 Option-to-Purchase Price.
| Month 13 | $223,595.03 |
| Month 14 | $228,794.88 |
| Month 15 | $233,994.73 |
| Month 16 | $239,194.58 |
| Month 17 | $244,394.43 |
| Month 18 | $249,594.28 |
| Month 19 | $254,794.13 |
| Month 20 | $259,993.98 |
| Month 21 | $265,193.83 |
| Month 22 | $270,393.68 |
| Month 23 | $275,593.53 |
| Month 24 · locked | $280,793.35 |
At any point in the term you can repurchase your home at the locked Option-to-Purchase Price, or direct a sale to a third-party buyer. If you sell, every dollar above the Option-to-Purchase Price is yours — along with any appreciation in your home’s value.
This restates the figures on the prior pages so they're easy to follow. Please review each line and initial to confirm your understanding.
| Definition | Amount | Initials |
|---|---|---|
| Estimated Proceeds (cash to you at closing) | $150,000.00 | |
| Pre-Paid Lease Payments (24) | $41,744.80 | |
| Title / Closing | $4,000.00 | |
| Admin Fee | $1,997.00 | |
| Estimated Purchase Amount | $197,741.80 | |
| Option Fee | $39,548.36 | |
| Exit Fee | $1,977.42 | |
| Fees Subtotal | $41,525.78 | |
| Total | $239,267.57 | |
| Credits (12 lease payments) | −$20,872.40 | |
| Monthly Lease Payment | $1,739.37 | |
| Estimated Option-to-Purchase Price — Year 1 (12 mo) | $218,395.18 | |
| Estimated Option-to-Purchase Price — Year 2 (24 mo) | $280,793.35 |
Final title, insurance, and tax costs are confirmed by the title company at closing. Seller will pay prorated property taxes at closing.
Seller has the option to renew the Lease Agreement and the Repayment Fee Option Agreement for an additional one (1) year, for a total term of up to two (2) years. Fees charged in year one are prorated on a month-to-month basis in year two until the time of sale. All fees related to the Option Agreement are deferred and paid upon exercising the Option Agreement at closing, by purchase or sale of the property.
The Settlement Statement (ALTA or HUD) prepared by the title company or closing attorney reflects the final figures. It is your responsibility to review it carefully to ensure all charges, credits, and terms are accurate. If you disagree with any amount, contact your sales representative before signing any closing documents. By proceeding to closing, you acknowledge you had the opportunity to review the Settlement Statement and agree with the final terms.
During the review period and prior to closing, you agree to grant Bridge2Sell (or a designated third party) access for inspections and interior/exterior photographs, to ensure accuracy and facilitate closing. After you submit this information, we send a purchase agreement; once signed, title work begins. Funding typically occurs within 30–45 days and can close in as few as 14 days depending on title work. This is an arms-length transaction; if both parties do not agree to the final terms, neither is obligated to proceed.
I/We, the undersigned, hereby agree to the terms and conditions of this conditional proposal as set forth herein. I/We have the authority to sign this Proposal on behalf of the related entities.
Once you've initialed each figure and signed above, agree below and submit. This is a non-binding acknowledgment, not a contract — a purchase agreement follows separately before anything is finalized.
Complete all initials, your signature, and the agreement box to enable Submit.
We record your name, adopted signature and initials, each initial you place, the signature date, the date and time (UTC), your IP address and browser, and the proposal reference. Proposal reference: B2S-Hesper-5646-Sub2.
Your signed acknowledgment has been sent to the Bridge2Sell team.
Type your full legal name — your signature and initials are written live as you type. You can edit the initials.
By selecting Adopt & Sign, you agree that this signature and these initials are your electronic representation on this document, applied where you click.