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Buy your next home before you sell

A bridge loan lets you borrow against the equity in your current home to fund the down payment on your next one before your current home sells. That lets you write an offer without a home-sale contingency, which is stronger in competitive Washington markets. Alternatives include a HELOC opened before listing, or qualifying for both payments if your income supports it.

Ways to buy before you sell

  • Bridge loan. Short-term financing secured by your current home, repaid when it sells.
  • HELOC before listing. Open a line of credit while the home is still occupied and unlisted, then use it for the down payment.
  • Carry both payments. If your income supports both mortgages, you may qualify outright.

Plan it early

Many lenders won't open a HELOC on a home that's already listed for sale. Talk with Kristen before you list so every option is still available.

Bridge programs are offered by select lenders; terms vary.

Common questions

Can I get a HELOC after my house is listed?

Usually not. Many lenders won't open a HELOC on a property that's listed for sale, so set it up before listing.

What clients say

I’m so grateful to have had Kristen as our loan officer during our home-buying journey. Buying a home can be incredibly stressful, especially with all the moving pieces involved, but Kristen was always there to answer my questions, explain things clearly, and keep everything moving forward. She was patient, responsive, and genuinely cared about helping my family get into our new home. I never felt like just another client. Thank you, Kristen, for all your hard work and for helping make this experience so much smoother for us. We truly appreciate you!
★★★★★Charisse S.Posted on Google

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