Who Should Apply?

• Buyers that currently need to sell in order to buy but can't qualify with two home payments.

• Buyers that do not qualify for bridge financing due to both  properties' monthly payments.

Buy Now | Sell on Your Timeline

 

Looking to move but unable to qualify to purchase a new home before you sell your current home? No problem! Our Buy Before You Sell
loan program can exclude your current home's PITIA (1) from the debt-to-income ratio! This is not a bridge program; it's a program that gives

homeowners with capital a chance to buy before they sell.

 

How Does it Work?

• List your current property online.

• We will eliminate your current mortgage payment from qualifying.

 

Program Details

• Your current home is listed for sale (no need to be under contract.)

• Your current home's LTV is ≤ 80%, which is demonstrated by an exterior (drive-by) appraisal.

• Additional 12 or 24 months of reserves for the departing residence depending on factors.

• If your current home is under contract with no financing contingency as of the closing date, all that is needed is an additional 6 months of reserves for your current home.

(1) Principal, Interest, Taxes, Insurance, and Association fees (if applicable).