Financing structured to let you make a competitive, non-contingent offer on your next home before your current home has sold.
In a competitive housing market, a purchase offer contingent on selling your current home is often a weaker offer — sellers frequently prefer a buyer who isn't waiting on another sale to close. Buy Before You Sell financing is structured to let you access the equity in your current home to fund the purchase of your next one, removing the sale contingency from your offer.
The mechanics vary by situation — sometimes structured against your current home's equity, sometimes coordinated alongside a planned near-term sale — which is why this is a conversation to have directly with a loan officer early, ideally before you're actively writing offers, rather than something to figure out mid-transaction.
Remove the 'contingent on sale' condition that can make your offer less competitive against other buyers.
Put equity you've already built to work on your next purchase without waiting for closing on your current home.
Buy when the right home comes available instead of being boxed in by your current home's sale timeline.
We help sequence the purchase and eventual sale so the financing lines up cleanly on both ends.
| Requirement | General Guideline | Notes |
|---|---|---|
| Current Home Equity | Sufficient equity to support the bridge structure | General guideline — subject to underwriting and program |
| Sale Timeline | A reasonably clear plan or timeline for selling your current home | Discussed directly with your loan officer as part of structuring |
| Credit & DTI | Evaluated per program guidelines, accounting for both properties | See the CFPB debt-to-income reference below |
| New Purchase Financing | Paired with a standard purchase loan on the new home | See Conventional or other purchase options |
This is one of the more situation-specific products we offer — the right structure depends heavily on your current home's equity position, your target purchase price, and your timeline for selling. Start the conversation with a loan officer before you're under contract, so the financing is ready to move at the same pace as your offer.
Low lender fees, real closing-cost savings, and closings in under 10 days are the foundation of how we price every loan — combined with competitive, industry-leading service from a dedicated loan officer, not a call center queue.
We believe an informed borrower makes a better decision. These are independent, high-trust sources — not Saffron Premier Mortgage marketing — where you can read more or independently verify our license.
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