Buy Before You Sell Program for Flexible Home Buying
Move into your next home without waiting to sell. Enjoy the flexibility to purchase first, access your home’s equity if needed, and avoid having to rush to sell your home. With expert guidance from LendFriend Mortgage, you can make strong, non-contingent offers and transition smoothly on your timeline.
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Why Buying Before You Sell Makes Sense
With a Buy Before You Sell loan, you can plan your move strategically, make stronger offers, and take the time to sell your current home under the best conditions, without feeling rushed. Here is how:
Stronger Negotiating Position when Buying a Home
A Buy Before You Sell loan lets you make offers without needing a sale contingency. This gives you an advantage in competitive markets across California, Florida, Texas, or anywhere else. A non-contingent offer can often be the deciding factor in securing your dream home.
Better Sale Price On Your Home
You can take the time to prepare your current home properly before selling. Stage, market, and showcase your property to attract serious buyers. Homes that are well-presented often sell faster and for more money. This allows you to maximize equity without feeling rushed.
Move With Less Stress
Relocating across cities or states can be stressful. Buy Before You Sell programs give you the flexibility to move into your new home first. Then you can sell your current property on your schedule. This eliminates the need for temporary housing, double closings, or stressful weekend moves.
Time to Improve Your Current Home
Bridge financing allows you to make updates, repairs, or renovations before listing your home. You can enhance your home’s value and appeal by painting and remodelling without the pressure of selling immediately, giving you the best chance for a successful sale.
Buy Before You Sell Programs By LendFriend
Get the freedom to purchase your next home before selling your current one with the Buy Before You Sell mortgage. We offer two flexible paths to fit your needs, depending on whether you want cash for your next home or need to improve your debt-to-income ratio to qualify for your new mortgage.
LendFriend’s Buy Before You Sell program gives homeowners the freedom to buy first and sell later—avoiding double closings, tight timelines, and discounted sales.
Two Flexible Options For Homeowners:
Equity Unlock
Access your current home’s equity to fund your next purchase. Use a short-term bridge loan to unlock up to 80% of your home’s value for your down payment, closing costs, or to strengthen your offer. Buy first, move once, and sell your old home on your schedule.
DTI Drop
If qualifying for a new mortgage is a challenge but sourcing your down payment is not, DTI Drop temporarily removes your current mortgage from your debt-to-income ratio. This allows you to secure financing to buy your next home without selling first, helping you move forward with confidence.
Why Relocating Homebuyers Use Buy Before You Sell Loans
Many homeowners consider sell before you buy loans to feel more in control of their move. But this approach can still create pressure to sell quickly or accept lower offers. Buy Before You Sell mortgages remove that pressure by letting you buy your next home first and take your time selling your current one, so you can plan your move carefully and make stronger offers.
Most Borrowers Use Buy Before You Sell Mortgages for:
- Accessing equity immediately
- Avoiding temporary housing
- Strengthen offers without contingencies
- Managing out-of-state moves
- Fund repairs or upgrades before listing
How Our Buy Before You Sell Loan Works
The Buy Before You Sell program by LendFriend give you financial flexibility and reduces stress. Here’s how the process works:
Step 1: Initial Consultation
We review your current home’s equity and financial situation to determine if a Buy Before You Sell program is right for you.
Step 2: Choose Your Program
Equity Unlock to access funds for a downpayment or DTI Drop to help you qualify for your new mortgage by removing your current mortgage from your debt-to-income ratio
Step 3: Pre-Approval
Get pre-approved for your new home purchase. This lets you shop confidently and make competitive, non-contingent offers.
Step 4: Shop and Make an Offer
Work with your realtor to tour homes and submit offers. Your financing is lined up so you can move quickly in competitive markets.
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Step 4: Close on your new home
For Equity Unlock, close the short-term loan to access funds for your down payment and then buy your new home. For DTI Drop, you'll buy your new home with the purchase loan.
Step 6: Move and Sell on Your Schedule
Move into your new home and take the time to list, stage, and sell your current property at the right price, without rushing or temporary housing.
Get a Buy Before You Sell Rate Quote
How to Qualify for a Buy Before You Sell Loan
Qualifying focuses on your equity and ability to repay. Most need a credit score of around 620+, a stable income, and a clear exit plan, like selling your home.
Properties That Can Qualify:
- Primary residences
- Second homes
- Single-family homes
- Townhomes
- Condos
Provide basics like income docs, property details, and tax returns. We check fast, even with unique situations, and approvals happen in days. Ready to qualify?
Who Can Take Advantage of Our Buy Before You Sell Programs
Our Buy Before You Sell programs help homeowners move with financial flexibility. These options give you the space to make decisions when buying in a competitive market, relocating across states, or preparing your current home for sale.
Our programs are perfect for:
Buyers in Competitive Markets
Access home equity quickly to make strong, non-contingent offers and win in bidding wars.
Families with Young Children
Plan moves around school or life events while preparing your current home at your pace.
Homeowners Upsizing or Downsizing
Find your next home without the pressure of immediately selling your current property.
Buyers Planning Renovations or Repairs
Bridge financing helps you update or improve your home before listing to attract buyers.
Professionals Relocating for Work
Move across town or across states without juggling temporary housing or double closings.
Why Relocating Homebuyers Trust LendFriend
Timing and flexibility are important when buying before selling. LendFriend Mortgage offers fast, transparent Buy Before You Sell programs that let you move on your schedule. Here’s why clients trust us as their broker:
No Monthly Payments
Enjoy peace of mind during the bridge period. Your Buy Before You Sell loan does not require monthly payments while your current home is listed or under contract.
No Sale Contingency Required
Make competitive offers on your next home without being held back by the sale of your current property.
Faster, Transparent Approvals
Skip long, confusing processes. We deliver clear, quick decisions so you can move forward confidently.
Programs to Your Pace
We work with your timeline, not ours, ensuring you can buy, move, and sell on terms that suit you.
No Hidden Fees
Unlike some competitors, we don’t charge 2-3% platform fees or surprise costs.
Hands-On Expert Support
You’ll have a dedicated team guiding you every step, not just an automated portal or online form.
Read Why Relocating Homebuyers Call Us The Best Mortgage Broker
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I had an exceptional experience with LendFriend Mortgage! From start to finish, the team made the process smooth, transparent, and stress-free. They took the time to explain every detail, answered all my questions promptly, and ensured I felt confident every step of the way. The customer service was outstanding—friendly, professional, and genuinely focused on helping me get the best possible rate. My closing was quick and seamless, and I couldn’t be happier with the outcome. I highly recommend LendFriend Mortgage, Eric, and Chelsey to anyone looking for a reliable and trustworthy lender!
Katja
Closed August 2025 -
Wow my husband and I were truly impressed with how easy the LendFriend team made our home buying experience. Eric and his team took extra care in explaining and outlining each step -- a real customer first experience. On top of that, each member of the team was incredibly knowledgeable, organized, and responsive; resulting in an expeditious close! The website promise of working around the clock to support you is 100% factual, we had staff answering questions late night and weekends. The entire team was a real pleasure to work with, so if you are looking for a mortgage broker look no further, LendFriend is the team for you! They will give you peace of mind, get you the best rates, and make you feel confident when buying your home :)
Sarah Carr
Closed May 2025 -
I have purchased 8 houses in 23 years and have never had an easier closing. Eric and his team have streamlined the process and were a pleasure to work with. They also saved us a lot of money on closing. I highly recommend LendFriend and his team.
April Magnia
Closed August 2025 -
LendFriend is the only place to go for mortgage brokerage services. Their unparalleled technical knowledge, relationships with a wide array of lenders, and outstanding service make them the absolute best place to secure your next mortgage.
Robert Daake
Closed March 2025 -
We had so many questions while navigating the sale of one home and purchasing another. The team at LendFriend answered them all in a quick and easy to understand manner. They made this stressful time very manageable and were with us every step of the way!
Karen Holland
Closed November 2024 -
Highly recommend LendFriend!!! As daunting as the process can be to get pre-approved for a mortgage loan, the entire team was great that we worked with that got us to the finish line. Each team member helped us in clearly communicating each step to ensure every step was smooth, in addition being available for a quick call to walk through our questions and concerns when needed. LendFriend was also very competitive with rates and dropped our interest rate last minute right before we closed! They got the job done and made it as stress free as possible.
Ingrid Eichenberger
Closed December 2024
Want Help with a Buy Before You Sell Loan?
If you’re ready to explore your options or need guidance on which program works best for your move, our team is here to assist.
- Get a custom quote in just 2 minutes
- Schedule a call for personalized support
- Speak directly with our co-founder, Eric Bernstein, for expert guidance
LendFriend Mortgage is here to help you buy your next home before selling your current one, without stress, delays, or compromises.
FAQs About Buy Before Your Sell
What exactly is a “Buy Before You Sell” (BBYS) program?
A Buy Before You Sell program lets you purchase your next home before selling your current one, so you don’t have to rush your sale or make an offer contingent on selling first. This gives you more flexibility to find the right home on your timeline and avoid moving twice or temporary housing. With this approach, you can make a stronger offer (often without a home sale contingency) because you already have the financing lined up.
How does a Buy Before You Sell loan differ from a traditional mortgage or bridge loan?
Unlike a traditional mortgage, which expects you to sell your current home first, a Buy Before You Sell loan is designed to cover the purchase of your new home even while your old one is still on the market. Some programs offer short‑term financing or an equity advance that lets you own your new home right away rather than renting it back. Traditional bridge loans or home equity lines of credit can also help with timing, but Buy Before You Sell options help you avoid double moves and contingent offers.
Do I need equity in my current home to qualify?
Yes, most Buy Before You Sell options require you to have some equity in your current home because that equity helps secure the financing for the new purchase. Lenders evaluate how much of your home’s value you’ve built up, which influences how much they’ll let you borrow or advance. The more equity you have, the easier it usually is to qualify and to access more favorable terms or down payment support.
Can I still make repairs and prep my old home for sale?
Absolutely! One of the main advantages is that you get to sell your old home on your timeline instead of being rushed. You can list, stage, repair, and show your home while already settled in your new place, which often leads to better offers and a higher sale price. This also means you avoid having to live through showings if you were still occupying the home during the sales process.
What are the basic qualifying requirements for a Buy Before You Sell loan?
Lenders typically look at your income, credit history, debt‑to‑income ratio, and how much equity you have in your current home. They want to be confident that you can manage the financial picture of owning two properties temporarily or that your sale proceeds will cover the short‑term financing. Strong finances and a clear plan for selling your current home make approval and a smooth closing much more likely.