If you’ve ever fallen in love with a new home before selling your current one, you know the challenge: How do you buy your next home without the stress of selling first?
Traditionally, homeowners had two main options:
- Make a contingent offer (meaning the new purchase depends on selling your current home first)
- Sell their existing home, move into temporary housing, and then buy the next property
Both can work, but they also come with headaches—lost bidding wars, rushed timelines, and extra moving expenses. That’s where “Buy Before You Sell” programs come in.
What Is a Buy Before You Sell Program?
These programs allow you to tap into your existing equity on your current home to use as down payment on your next home. You can purchase your new home before your current home is sold. You can make a strong, non-contingent offer—just like a first time home buyer or cash buyer—while avoiding the double-move shuffle. After you move into your new place, your old home is sold on your timeline (often for a higher price since you’re not in a rush).
The Options I Can Offer You
As a mortgage broker, I have access to multiple buy-before-you-sell solutions through various national and regional partners. Some provide a guaranteed minimum price for your current home, others offer cash-backed purchase programs, and some even advance funds to help with repairs or staging before your old home goes on the market.
Instead of you having to research each company individually, I can review your situation and connect you with the program that best fits your finances, goals, and timeline.
How It Works
- Get pre-approved through a buy-before-you-sell program that matches your needs.
- Shop for your new home and make a competitive, non-contingent offer.
- Close on your new home and move in—before selling your old one.
- Sell your current home when you’re ready, often for top dollar since you can market it properly without living in it.
Why This Is a Game Changer
- Avoid the risk of being “homeless” between transactions
- Reduce the stress of back-to-back closings
- Start with a lower loan amount on your new home from day one
- Avoid the need to carry two mortgages
- Increase your negotiating power as a non-contingent buyer
- Potentially sell your old home for more by taking your time
Is a Buy Before You Sell Program Right for You?
These programs are ideal if you:
- Are facing debt to income restrictions by only being able to qualify for one mortgage payment instead of two
- Have equity in your current home but need it to purchase the next
- Are in a competitive market where contingent offers are often rejected
- Want to avoid moving twice or paying for temporary housing
- Have found your dream home before you’ve listed your current one
Let’s Find the Right Fit
Every homeowner’s situation is unique. As your mortgage advisor, I’ll guide you through the available options and match you with the program that gives you the best chance of success.
Schedule Your Free Consultation
Final Thoughts
Buying your next home doesn’t have to mean sleepless nights and stressful timing. With the right buy-before-you-sell program, you can move on your terms—and keep your sanity. Let’s talk about which solution will help you make the move with confidence.