Buy Your New Home
Before You Sell
Stop losing out on your dream home because you have a house to sell. Our Buy Before You Sell bridge loan unlocks your equity so you can make competitive, non-contingent offers — just like a cash buyer. Move once. Skip the stress. Win more bids.
Serving Arizona & Texas homeowners • No obligation • Free consultation
Until your current home sells, payments on your existing mortgage and your new loans can overlap. Whether any payment is deferred or covered depends on the written terms of the specific program you're approved for.
Skip the Stress of Simultaneous Closings
Move into your new home, then sell your old one on your terms
Key Takeaways
- Buy Before You Sell lets you purchase your new home before selling your current one using bridge financing.
- Borrow against part of your current home's equity toward the down payment on your next one; the program's loan-to-value limit sets how much.
- Make competitive, non-contingent offers that win against cash buyers in competitive markets.
- Move once—directly into your new home—with no temporary housing or storage needed.
- Your old home can be sold vacant and professionally staged, often fetching higher offers.
- Some programs add a backup purchase offer for homes that qualify; we confirm whether one is available for yours before you count on it.
See If You Qualify for Buy Before You Sell
Answer a few quick questions to see if our bridge loan program is right for you. It takes about 60 seconds, and answering the quiz doesn't pull your credit.
✓ No obligation ✓ Quiz won't touch your credit ✓ A real person follows up
How Buy Before You Sell Works
Our bridge loan program is simple: we unlock your current home's equity so you can buy first, move once, and sell on your terms.
Get Pre-Approved
We assess your current home's equity and pre-approve you for bridge financing. Know exactly how much buying power you have.
Find & Buy Your New Home
Shop for your new home with confidence. Make strong, non-contingent offers that compete with cash buyers.
Move In & Get Settled
Close on your new home and move in. No temporary housing, no storage units, no stress of coordinating two closings.
Sell Your Old Home
List your previous home vacant — staged and show-ready. Vacant homes often sell faster and for more money.
Last updated: October 14, 2026
Buy Before You Sell Eligibility & Requirements
Whether a Buy Before You Sell bridge loan fits your Arizona or Texas move comes down to the program's rules and your own numbers: your home's value, what you still owe, your credit and income, and the home you're buying. Requirements vary by program and lender, and your loan officer confirms them for your scenario. When it fits, it lets you put your equity to work so you can buy first, make a non-contingent offer, and move once.
| Requirement | Detail |
|---|---|
| Equity needed | No single minimum: it depends on the program's loan-to-value limit and what you still owe, and your loan officer confirms it for your home |
| Credit and income | Reviewed against the guidelines of the program you apply for; these differ by program and lender |
| How much you can borrow | Your home's value times the program's loan-to-value limit, minus what you still owe; we confirm that limit for your program |
| Where it's available | Arizona and Texas |
| Offer strength | Non-contingent offers that compete with cash buyers |
| If your home sells slowly | A plan set before you offer: pricing, reserves and the bridge payoff date. A backup purchase offer applies only if one is confirmed as available for your home |
| Moving process | Move once, with no temporary housing or storage between homes |
Weighing your options? Compare the best Buy Before You Sell programs for 2026 — a neutral, side-by-side look at Knock, Orchard, HomeLight, Flyhomes, and Calque.
The Traditional Way vs. Buy Before You Sell
See why smart homeowners are choosing to buy first and skip the chaos of coordinating two transactions.
The Traditional Way
Stressful & Risky
- Contingent offers get rejected in competitive markets
- Risk of being homeless between homes
- Live in your home during showings and open houses
- Coordinate two closings within days of each other
- Stress of accepting an offer before finding your new home
- May need temporary housing and storage
- Rush to find a home after accepting an offer
Buy Before You Sell
Simple & Stress-Free
- Make non-contingent offers that win like cash
- Move directly into your new home—no gap
- Sell your old home vacant and professionally staged
- Close on your terms with no rush
- Find your perfect home before listing
- One move, no temporary housing needed
- Take your time to get top dollar for your old home
Trusted by Homeowners Across Arizona & Texas
Don't just take our word for it. Read verified, third-party reviews from the families we've helped make their move.
4.92 out of 5
Based on 37 verified client reviews on Experience.com
How Much Equity Do You Have?
See your equity and your current loan-to-value, the two numbers a bridge lender looks at first.
How bridge borrowing room is figured: your home's value × the program's maximum loan-to-value, minus what you still owe. Each program sets its own maximum, and we confirm it for yours before you shop.
*This is an estimate only. Actual terms depend on credit, income, and property factors.
Frequently Asked Questions
Get answers to common questions about our Buy Before You Sell program.
A Buy Before You Sell program is bridge financing that unlocks your current home's equity so you can purchase your new home before selling your existing one. This eliminates the need for contingent offers, allows you to move once without temporary housing, and lets you sell your old home vacant for potentially higher offers. The bridge loan is paid off when your previous home sells.
Meet the Cook Brothers
Your dedicated Buy Before You Sell specialists serving Arizona and Texas.
Tanner Cook
NMLS #2090424
Specializing in Buy Before You Sell programs, Tanner helps Arizona and Texas homeowners make their moves seamless and stress-free.
Zac Cook
NMLS #2111496
Zac focuses on helping families unlock their home equity to purchase their next home before selling, eliminating the stress of coordinating closings.
Ready to Buy Before You Sell?
Take our free 60-second quiz to see if you qualify. It won't pull your credit.
Check Your Eligibility