About
Knock is a fintech real estate platform that bridges the gap between buying a new home and selling an existing one. Through its flagship Knock Bridge Loan™, homeowners can unlock the equity tied up in their current property and use it to fund their next purchase—covering down payments, repairs, moving costs, and more—without waiting for their old home to sell first. Knock partners directly with mortgage lenders and real estate agents, integrating seamlessly into existing home-buying workflows rather than replacing them. This collaborative model means buyers can make stronger, non-contingent offers on new homes, making them far more competitive in today's market. Because the current mortgage is removed from the new mortgage calculation, buyers may also qualify for better loan terms. The platform is designed for homeowners who are simultaneously buying and selling, offering certainty and convenience at every step. Knock handles the financial complexity so buyers, sellers, agents, and lenders can all benefit. With a 4.8/5 Trustpilot rating and a team of seasoned industry veterans, Knock has built a reputation for reliability and transparency in real estate finance. It operates across multiple U.S. markets and holds mortgage lending licenses in multiple states.
Key Features
- Knock Bridge Loan™: A first-of-its-kind bridge loan that lets homeowners access the equity in their current property to fund the purchase of their next home before selling.
- No Contingency Offers: Buyers can make competitive, non-contingent offers on new homes, significantly strengthening their position in competitive markets.
- Improved Mortgage Qualification: Removes the existing mortgage from the new mortgage calculation, potentially allowing buyers to qualify for better loan terms.
- Lender & Agent Integration: Knock partners with existing lenders and real estate agents, fitting into established workflows rather than disrupting them.
- Full Expense Coverage: Covers down payments, repairs, moving costs, and other transitional expenses using the equity from the current home.
Use Cases
- A homeowner who has found their dream home but hasn't listed their current home yet uses Knock to access equity and make an immediate, non-contingent offer.
- A family relocating for work uses the Knock Bridge Loan to purchase a new home in their destination city before their current home sells.
- A real estate agent partners with Knock to offer clients a competitive advantage by removing home-sale contingencies from their purchase offers.
- A mortgage lender integrates Knock's bridge financing into their product suite to serve clients who are simultaneously buying and selling.
- A homeowner uses Knock to fund necessary repairs on their new property before moving in, using equity from their existing home without out-of-pocket costs.
Pros
- Eliminates Timing Pressure: Allows homeowners to buy a new home at their own pace without being forced to sell their current home first under pressure.
- Increases Buyer Competitiveness: Non-contingent offers are far more attractive to sellers, giving Knock users a real edge in competitive housing markets.
- Trusted Industry Reputation: Rated 4.8/5 on Trustpilot with deep industry partnerships, providing reliability and peace of mind throughout the process.
Cons
- Paid Financial Service: As a loan product, Knock involves fees and interest costs that add to the overall expense of the home transaction.
- Limited Market Availability: Knock operates only in select U.S. markets and requires mortgage licensing compliance, limiting geographic availability.
Frequently Asked Questions
What is the Knock Bridge Loan™?
The Knock Bridge Loan™ is a financing product that lets homeowners tap the equity in their current home to purchase their next one before they sell, removing the need for a home-sale contingency.
How does Knock work with my existing lender or agent?
Knock partners with mortgage lenders and real estate agents, integrating into their existing workflows so buyers get bridge financing alongside their standard home-purchase process.
What expenses can the Knock Bridge Loan cover?
The bridge loan can cover down payments on the new home, repair costs, moving expenses, and other costs that arise during the transition between homes.
Is Knock available in my state?
Knock operates in multiple U.S. states and holds mortgage lending licenses in those markets. You can check current market availability on the Knock website.
How does Knock help me make a more competitive offer?
Because you've already secured financing through the bridge loan, you can make an offer on a new home without a contingency to sell your current home first—making your offer much more attractive to sellers.
