Buy before you sell
The house you own is blocking the house you want.
It kills your offer with a home sale contingency, it holds your down payment inside its walls, and it sits in the qualification math for the next loan. All three at once. There is a structural way through, on your own numbers.
Start my fileWhat the current house is actually doing
It weakens every offer
A home sale contingency puts you last in line. Sellers take the clean offer, even at a lower price.
It traps the down payment
Real money, earned and paid in, locked in walls exactly when the next purchase needs it.
It occupies the math
Its payment sits in your qualification for the next loan whether or not you will still own it in six months.
How the structure works
A contracted floor
A backup offer on your current home with a defined price and a defined window can remove that home from the qualification math on the next purchase, by contract, before you write the offer.
Move exactly once
Buy the next home first, move, then prep and list the empty house properly instead of living show-ready for months.
You stay in control
This is a tool, not a home-buying service. You list conventionally and the floor is insurance, not the plan.
Program descriptions are general. Every path is subject to eligibility, underwriting approval, appraisal, and program guidelines. Not a commitment to lend.
Your numbers, run both ways
Your qualification arithmetic with the current house included and with it excluded, side by side, plus the contract floor calculation. Delivered as a worksheet or a short call.