Buying Your Next Home Before You Sell Your Current One

You won't have to choose between a contingent offer and perfect timing.

This is one of the most common situations I hear from move-up buyers, and one of the most frustrating: you're ready to move, you've probably even found the neighborhood — but you can't make a strong offer on a new home until you've sold the one you're in. And you can't comfortably sell until you know where you're going.

You're not stuck. You just need the right financing strategy.

Why This Is Harder Than It Should Be

The conventional options most buyers consider all come with a catch.

A contingent offer puts you at a disadvantage the moment a competing buyer shows up without one. Many sellers won't accept them at all.

Selling first solves the equity problem but creates a timing problem. You may end up renting in between, moving twice, or settling for a home you wouldn't have chosen under less pressure.

Trying to close both transactions at the same time works when everything lines up perfectly. It usually doesn't.

There's Another Way

I offer a program specifically designed for this situation. It allows you to access the equity in your current home before it sells, fund your down payment on the new home, and qualify for the new mortgage without the departing residence payment counting against you.

You buy the new home as a non-contingent buyer. Then you sell the current one on a reasonable timeline and the loan pays itself off from the proceeds.

It works for both traditional borrowers and non-QM borrowers — including self-employed, bank statement, and asset-based qualification.

See how it works → Bridge Loan Alternative

Is This the Right Fit For Your Situation?

It may be, if you:

  • Own a California home with meaningful equity

  • Are ready to move but don't want to have to make a contingent offer

  • Need your current home's equity for the down payment on the next

  • Qualify for a mortgage — either through standard income documentation or an alternative program

The best way to find out is a quick conversation. I'll look at your equity position, run the qualifying math, and tell you honestly whether this works for your situation.

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