Buy your next home before you sell this one
Contingent offers lose in competitive markets. We help Utah homeowners use their existing equity to buy first, move once and sell on their own timeline.
- Make a non-contingent offer
- Use current equity toward your next down payment
- Avoid moving twice or renting in between
Real numbers. Straight answers. No pressure.
Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.
See if you qualify: free, no commitment.
No pressure. Nelson will give you a straight answer about whether this works for your situation.
The move-up problem, solved
Your equity is locked in the home you live in, and you need it for the next down payment. Sellers don't want to wait on your sale. That's the trap most move-up buyers face.
There are several ways out: a short-term bridge loan, a purchase loan that qualifies you without counting your current payment once your home is listed or under contract, or a home equity loan before you list. Each has trade-offs in cost and risk.
We map out the options with your real numbers, coordinate with your agent and help you time both closings.
This is a good fit if you…
- Own a home with meaningful equity
- Have found (or want to find) your next home first
- Don't want a contingent offer
- Want to move once
Ways to buy before you sell
Bridge loan
Short-term financing against your current home that funds your next down payment.
Equity loan before listing
Pull equity with a home equity loan or HELOC, then pay it off when you sell.
Qualify without double payments
Some programs can exclude your current payment once your home is under contract.
Buyers keep coming back
Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
Questions we hear often
Can I buy before selling my current house?
Yes. Bridge loans, home equity options and certain qualifying rules make it possible. The right path depends on your equity and income.
Will I have two mortgage payments?
Possibly for a short time. We'll show you the worst-case overlap so there are no surprises.
How much equity do I need?
It varies, but many bridge options need enough combined equity to cover the new down payment and costs.
Ready to see what you qualify for?
Talk with Nelson for 15 minutes. You'll leave with real numbers and a clear plan.