Buy now. Sell later.
Purchase a new home without selling your current home first
You can qualify for a new mortgage by excluding the monthly principal/interest/taxes/insurance/association dues payment of your current residence from your debt-to-income ratio. Move on your timeline, make stronger offers, and eliminate the stress of coordinating two closings.
Stop Waiting to Find Your Dream Home
See if you qualify to buy before you sell. Takes less than 2 minutes.
Current Home Situation
Tell us about your current home
Why Buy Now, Sell Later?
Gain the competitive advantage you need in today's fast-moving real estate market
No Rush to Sell
Buy your dream home without the pressure of selling your current home first
Stronger Offers
Make non-contingent offers that sellers love, giving you a competitive edge
Better Timing
Move on your schedule without coordinating two closings simultaneously
Maximize Sale Price
Take your time to get top dollar for your current home instead of rushing
Less Stress
Avoid temporary housing, storage units, and the chaos of rushed moves
Smooth Transition
Set up your new home before selling, making the move easier for your family
This Program is Designed for Buyers Who:
Unable to sell before closing
Your home hasn't sold yet but you found the perfect new house
Can't qualify with two payments
Your DTI is too high when both mortgages are counted
On a strict moving timeline
Job relocation, school year, or other time-sensitive situations
How It Works
A simple 5-step process to buy your new home before selling your current one
Get Pre-Qualified
We qualify you for your new home purchase by excluding your current PITI payment from your debt-to-income ratio.
Make Strong Offers
Shop for your new home with confidence, making non-contingent offers that stand out to sellers.
Close on New Home
Purchase and move into your new home without the stress of simultaneous closings or temporary housing.
List & Sell
List your current home within 90 days. Take your time to get the best price without rushed decisions.
Pay Off Old Mortgage
Use proceeds from your home sale to pay off your previous mortgage and complete the transition.
Program Requirements
What you need to qualify for Buy Now, Sell Later
Letter of Intent
Commit to listing your current residence within 90 days
20%+ Equity
Proof of more than 20% equity in your current residence
Qualifying Credit & DTI
Good credit score and debt-to-income ratio (excluding current home)
12 Months Reserves
Additional 12 months of reserves to demonstrate financial stability
Frequently Asked Questions
Found Your Dream Home? Don't Let It Slip Away
Make a winning offer without the stress of selling first. Get pre-approved and move on your timeline.