Buy before you sell
Move first. Sell second. Skip the double payment.
Write a non-contingent offer on your next home before this one sells, with payments deferred until it does and every dollar of the sale still yours.
Program snapshot
Buy before you sell at a glance
- Unlockable equity
- up to 75-80% CLTV
- Payments during the bridge
- $0 on select programs
- Your offer
- non-contingent
- DTI treatment
- old mortgage can drop out
- The exit
- old home sells, ~3-6 months
Program menus from specialty wholesale lenders. Structures and terms vary by program, provider, and state, and change without notice. Not an offer or approval.
The gap between two homes is where moves die. Bridge it.
We broker dozens of wholesale lenders, including the modern buy-before-you-sell programs whose entire business is the in-between.
100%
non-contingent offer power
Unlock the equity before the sale
Modern buy-before-you-sell programs advance your current home's equity for the next down payment before the sign goes in the yard, with 0%-interest and deferred-payment options on select programs. Your offer carries no home-sale contingency, which sellers read as nearly cash.
- Down payment from equity you already own
- Offer with no home-sale contingency
- 0%-interest options on select programs
DTI
minus your old mortgage
Qualify like it's already sold
Trade-in style programs put a guaranteed backup contract on your current home, so underwriting can drop its mortgage payment from your debt-to-income. You qualify as if the old house is sold while it still lists on the open market, and you keep every dollar it earns above the backstop.
- Old payment out of the DTI math
- Guaranteed floor, open-market upside
- You keep the full sale proceeds
untouched
your low-rate first mortgage
Tap the equity, keep the mortgage
A short-term second lien pulls the down payment out of your current home's equity, up to 75-80% combined loan-to-value, while your low-rate first mortgage stays exactly where it is. Payments defer until the home sells.
- Low-rate first mortgage untouched
- Up to 75-80% combined LTV
- Typical bridge window: 3 to 6 months
The move
Buy before you sell
The old way
Your offer
Non-contingent, reads nearly cash
Contingent on your home selling
Payments in the move
$0 on select programs until the sale
Two mortgages, or a rushed closing
Sell first?
No. Move, then list
Yes, or gamble on the timing
Showings
After you've moved out
While you're living there
What the old home nets
Staged, empty, unrushed price
Whatever the deadline allows
Built for the in-between
The middle of a move shouldn't cost you the move.
$0 a month during the bridge
Select programs defer payments entirely: interest accrues and settles when the departure home closes, or interest reserves roll into the balance. Moving is expensive enough without a second payment stacked on top of it.
Sell empty, staged, and unrushed
Because you've already moved, the old home shows vacant and staged, with no dinner-hour showings and no price cut to hit a closing date. Empty, polished listings routinely net more, and your agent will thank you.
Self-employed and mid-move
Buy-before-you-sell with Non-QM underwriting: bank statements and alt-doc profiles qualify for the temporary liquidity a move demands, without the tax-return fight in the middle of a relocation.
Luxury moves, big balances
High-balance bridge programs run from $1 million past $5 million for high-tier primary residence upgrades, cross-collateralized against the estate you're leaving so the one you're buying doesn't wait.
Two addresses, one clean handoff.
- 1
Tell us both sides
The home you're leaving (value and what's owed) and the one you're chasing. That's the whole application to start.
- 2
We pick the structure
Equity unlock, trade-in backup contract, or a second-lien bridge, quoted across the specialty buy-before-you-sell menu with the payment deferral that fits.
- 3
Move first, settle after
Close on the new place, move on your schedule, then the old home's sale pays the bridge off. You keep everything above it.
The quick eligibility check.
- Non-contingent offers unlocked
- $0 payments until you sell (select programs)
- Keep your low-rate first mortgage
- Old mortgage can drop out of DTI
- You keep the full sale upside
- Typical bridge window 3-6 months
- $1M to $5M+ moves handled
Thinking of keeping the old home as a rental instead of selling? Our DSCR programs turn the move into a landlord play. Agents: buy-before-you-sell is a listing-winning tool, and our partner program puts it in your pocket.
Straight answers
What is a buy-before-you-sell program?
Short-term financing that carries you between two homes: it funds the next purchase off the equity in the current one, then gets paid off when the old home closes. Terms run months, not decades, and the loan is designed from day one to be retired by your sale.
How does it actually work?
Three structures, one idea. An equity unlock advances part of your current home's value for the down payment. A trade-in style program adds a guaranteed backup contract so your old mortgage drops out of qualifying. A second-lien bridge taps the equity behind your existing mortgage. In every case your offer carries no home-sale contingency, you move once, and the sale settles the bridge.
Do I really make no payments during the bridge?
On select programs, yes: interest accrues quietly and settles when your departure home closes, so you never carry two payments, and some equity-unlock structures charge 0% interest outright. Others use interest-only payments or roll a reserve into the balance. We'll show you the accrued cost either way, because deferred is not free.
I locked a low rate years ago. Does a bridge wreck it?
No, and protecting it is the point. The second-lien structure leaves your first mortgage completely untouched: same rate, same payment, same loan. The bridge sits behind it temporarily, taps the equity for your next down payment, and disappears when the home sells.
Do I keep the upside when my old home sells?
Yes, all of it. These are loans and backup contracts, not a sale of your house to a company. The home lists on the open market with your agent, and every dollar above the bridge payoff and the guaranteed floor is yours. If a structure ever asks you to sign the deed over first, that's a different product, and not one we broker.
Isn't bridge money expensive?
It costs more per month than a 30-year mortgage, and pretending otherwise would be silly. What it buys is certainty: the non-contingent offer that wins the house, the move that happens once, the listing that shows empty and nets more. We price the bridge against what losing the house or double-moving costs, show you the math, and let you decide.
I'm an investor. Is this my page?
Close, but no: this page is for homeowners moving between primary residences. Flipping or renovating? Our Fix & Flip page covers the structured rehab programs. Just need asset-based speed for an acquisition? That's the Hard Money page. Both close in days with no income docs.
The right house won't wait for the old one to sell.
Two minutes to send both sides of your move. No cost, no obligation, and a quote from the whole buy-before-you-sell menu.
Guthix Lending • NMLS# 2672037· Buy-before-you-sell bridge loans are short-term consumer credit secured by your residence and are subject to ability-to-repay and program requirements; deferred-payment structures accrue interest that is due at payoff, and 0%-interest features apply only on select programs. Program structures, guaranteed-backup terms, combined LTV limits, deferral options, and pricing vary by program, provider, and state and change without notice; figures shown reflect the most favorable available tiers. Not all borrowers or properties will qualify. This is not a commitment to lend or an offer of specific terms. Investor and business-purpose bridge financing is described on our Fix & Flip and Hard Money pages.