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).

There are typical borrowers who qualify for typical home loans, and then there are specialty borrowers with situations that are just different enough to require a little extra analysis. We are proud to offer a range of products designed for many different kinds of above-average borrowers - enter Arcstone Financial's Accessible Mortgage Programs or AMP.

AMP is a Non-QM or Non-Qualified Mortgage product, to learn more about these programs, please reach out to your Arcstone Financial Mortgage specialist.

Are you Ready to Mortgage?