Buy Before You Sell

Written by Rob Breiner

May 16, 2024

Key Points

Buying a home while trying to sell your current home can be difficult and sometimes impossible to line everything up. This program makes it easy by letting you buy your new home first, then worry about selling your home afterward thanks to two key features of this program.


  • Allows your sellers to purchase a replacement home without a selling contingency
  • We ignore their current mortgage liability
  • Unlock their home equity with a 0% bridge loan to use as a down payment

How It Works

  1. Obtain a guaranteed offer from Homelight for your seller’s home to determine equity unlock
  2. Make non-contingent offers on a replacement property
  3. You have 210 days to sell the home after buying new home: UPDATED 6/7/2024; You have unlimited time to sell your home. After 120 days, Homelight buys the home but you/your Realtor has unlimited time to continue to sell your home.
    • 90 days to sell before Homelight light buys the home.
    • 120 additional day of upside protection – seller gets reimbursed after the home sells.

How Much Can They Get

  • Borrow up to 75% of their home’s value:
    • Value $500k, $250k mortgage. Max 75LTV = $375k.
    • $375k – $250k = Bridge loan for $125k.
    • They get the rest once they sell (use to pay down new mortgage, recast, etc)

Program Details

  • Sellers must use a conventional loan to purchase replacement property
  • Program costs 2.4% of the final sales price of their home; $500k = $12,000 (most homes can sell for more money if vacant due to superior showing and scheduling for new prospective buyers)
  • No up-front costs to the seller
  • The seller chooses their listing agent


  • The seller moves on their time (and can wait for the right house)
  • You get to sell a vacant home
  • The seller pays nothing if it doesn’t work out within 90 days


    Click here to work with me on your next mortgage.


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    Robert Breiner. Licensed Loan Officer NMLS# 1199942 | BRE# 01960372 Golden Bear Capital Inc. DBA Click Mortgage | 10174 Old Grove Road Suite 140​, San Diego, CA 92131​ | Phone: 888-440-3001 | Fax: 888-500-5815 Golden Bear Capital Inc. DBA Click Mortgage (NMLS# 284021) is licensed by the California Department of Business Oversight (CFL License# 603H185) and the California Bureau of Real Estate (License #01847011), Nevada Division of Mortgage Lending License #4043), Utah Division of Real Estate (License #6332409), Washington Department of Financial Institutions (CL-284021).

    We are licensed to lend in the following states: Arizona, California, Colorado, Florida, Missouri, Nevada, Texas, Utah, & Washington | NMLS Consumer Access