Need to Buy Before You Sell? How to Compete Like a Cash Buyer — Without Selling First

🏠 Need to Buy a New Home Before Selling Your Current One? You’re Not Alone

In today’s fast-paced real estate market, homeowners often face a frustrating dilemma: sell your current home first and risk not finding your next one in time—or buy first and worry about qualifying with two mortgages.

Fortunately, there’s a smarter way to move forward.

With bridge financing solutions like the Buy Before You Sell program, you can make a strong, non-contingent offer on your next home — even before listing your current one — while maintaining financial flexibility and peace of mind.

Whether you’re upsizing, downsizing, or relocating, these tools give you the leverage of a cash buyer without needing to liquidate assets or juggle temporary housing.

✅ Scenario 1: You Can’t Qualify Carrying Two Mortgages

This is the most common challenge. Even financially solid buyers may not meet conventional debt-to-income requirements when carrying two homes.

Solution:
We offer a bridge loan program that removes your existing mortgage from the debt calculation. This can boost your purchasing power by up to 40–50%, making it easier to qualify for your next home without a sale contingency.

With this setup, you can:

• Submit a stronger offer
• Move once — no double moves or storage
• Sell your existing home after you’ve settled in

💰 Scenario 2: Your Down Payment Is Tied Up in Your Current Home

Many buyers need access to their current home equity but aren’t ready to sell first.

Solution Options:

• Tap into equity via a short-term bridge loan or HELOC
• Use a Guaranteed Backup Contract to exclude the departing home’s mortgage from your new loan approval
• Borrow against the combined equity of both homes — no income verification required

These flexible strategies give you the cash you need to buy — without forcing a premature sale.

👨‍👩‍👦 Scenario 3: You Have Equity but Limited Income (Retirees, Fixed Income, Self Employed etc.)

For retirees or clients with significant home equity but limited reportable income, traditional qualification methods can fall short.

Solution: We offer non-QM and no-income qualification programs that rely on equity or liquid assets — not income. These options allow you to move forward with confidence, knowing your financing isn’t tied to outdated formulas.

🛠️ Real-Life Example

Meet Alex & Lisa (Chicago):
Expecting a new addition to their family, Alex and Lisa needed to move into their next home quickly — but couldn’t yet sell their current home. Like many, they faced two challenges: they didn’t qualify to carry both mortgages at once, and they needed funds from the eventual sale to go toward their new purchase.

Even with stable careers in tech and a healthy stock portfolio, the income on paper wasn’t enough to meet traditional debt-to-income requirements. And like many savvy homeowners, they weren’t interested in liquidating stocks and incurring capital gains taxes.

The Solution:
Using our Instant Equity and Guaranteed Backup Contract programs, we helped them leverage a combination of income, home equity, and asset-based approval to secure financing. They purchased their new home with just 5% down — without needing to sell their current home or touch their investments.

📣 For Realtors: Win More Offers for Your Clients

If you’re a realtor representing a seller who wants to buy first, we can help your client:

• Write a non-contingent offer backed by strong financing
• Close in as little as 10 days
• Avoid the chaos of double moves or bridge timelines
• Sell their departing home for full market value, with 180-day flexibility to prep and list

Ready to Compete With Cash?

Whether you’re a homeowner planning your next move or a real estate agent looking to support your client’s transition, we’ll help you navigate financing options that make winning offers possible — before you sell.

📞 Let’s talk. We’ll run your scenario and show you how to buy strategically, comfortably, and confidently.