Purchase Loans
In a competitive market, waiting until your home sells before buying your next one can cost you the deal. Buy Before You Sell financing lets you move first and sell after — without carrying two mortgages at the same time or making a contingent offer that sellers don't want.
These programs bridge the timing gap between buying and selling — so you're not stuck waiting on your current home to close before you can act.
Your existing mortgage is often excluded from your qualifying ratios on the new purchase, making it easier to afford both temporarily.
Two main approaches are available: one optimized for speed, and one that provides a higher advance against your current home's value.
The Contingency Buster is built for speed — it helps you make a clean offer fast without needing a bridge loan. The Trade-In Mortgage provides a larger advance against your current home's value and is better for buyers who need that equity to fund their new purchase.
That's the whole point of these programs — to avoid that situation. Your existing mortgage is typically excluded from qualifying on the new purchase, so you're not penalized for owning two homes temporarily.
The resale guarantee available through this program provides a safety net. If your home doesn't sell within the program period, you have a guaranteed offer waiting — so you're not stuck holding two properties indefinitely.