Found your next home? Don't wait to sell first.
Buy-before-you-sell programs let you move forward on your next home without making your offer contingent on selling your current one — so you can compete and move on your timeline.
Explore Your OptionsThe move-up buyer problem
In a competitive market, sellers favor offers that are not contingent on another sale closing. If you need to sell your current home before you can buy the next one, you risk losing out on the property you want.
Buy-before-you-sell financing bridges that gap — giving you the buying power to make a strong offer now while your current home is on the market.
Common strategies
- Bridge loans: Short-term financing secured by your current home's equity
- HELOC: Tap equity for the down payment on your new home
- Cross-collateral: One loan covering both properties until the first sells
- Specialty move-up programs: Lender products designed for this exact scenario
How we'll approach your situation
- 1 Review equity in your current home and your target purchase price
- 2 Compare bridge, HELOC, and specialty program options
- 3 Model the costs of carrying two properties during the transition
- 4 Structure your new-home offer without a sale contingency
- 5 Close on your new home and sell your current one on your timeline
Buy before you sell FAQ
What is a buy-before-you-sell program?
Buy-before-you-sell programs help you purchase your next home before your current one sells. This removes the stress of coordinating two closings and makes your offer stronger because you are not contingent on selling your existing home.
How does it work?
Depending on the program, you may use bridge financing, a HELOC on your current home, or a short-term loan that covers the down payment on your new home until your existing home sells. I will match you with the structure that fits your equity and timeline.
Who is a good candidate?
Homeowners with meaningful equity in their current home who have found their next property but have not sold yet. You need enough equity and income to carry both properties temporarily, or a program that bridges the gap.
What are the risks?
If your current home takes longer to sell than expected, you could be carrying two mortgages. Programs vary in how long the bridge period lasts and what happens if your home does not sell on schedule. I walk through every scenario before you commit.
Is this the same as a bridge loan?
Bridge financing is one type of buy-before-you-sell strategy. Other options include HELOCs, cross-collateralization, or specialty products from lenders who specialize in move-up buyers. The right choice depends on your equity, credit, and timeline.
Ready to make a non-contingent offer?
Tell me about your current home and your next purchase — I'll map out the financing.