buy before you sell · The Villages, FL

Buy in The Villages Before Your Current Home Sells?
Let's Build the Right Plan.

Found the home you want in The Villages, but your current home hasn't sold yet? You may have financing options that let you move forward without waiting for your sale to close. We'll look at your income, assets, existing mortgage and expected sale proceeds to determine which options may fit your situation.

Review My Options Start My Pre-Approval

the timing challenge

Your Current Home Hasn't Sold. That Doesn't Always Mean You Have to Wait.

Buying before selling comes down to more than having enough for a down payment. We need to determine how your current mortgage affects qualification, what assets and reserves are available, and how the proceeds from your eventual sale fit into the overall plan. The right strategy depends on your complete financial picture.

01
Qualifying With Two HomesWe'll determine whether you can qualify while carrying your current mortgage along with the payment on your new Villages home.
02
Down Payment & Available AssetsCash, investment accounts, retirement assets and other eligible funds may give you options before the proceeds from your current home are available.
03
Expected Sale ProceedsIf you plan to use equity from your current home, we'll map out when those funds become available and how that affects the purchase strategy.
04
Timing the Two TransactionsWe'll look at your expected sale and purchase timelines together, so you understand the financial impact if the two closings don't happen in the order you expected.

how it works

A Clear Plan for Buying Before You Sell

Buying before your current home sells requires the two transactions to be looked at together. We'll review where you stand today, determine which financing options may be available, and build a plan around the time of your move to The Villages.

Review Your Current Situation

We'll start with the whole picture.

We review your current home and mortgage, income, assets, debts, expected sale proceeds, and the Villages home you want to purchase.

Evaluate Your Financing Options

There may be more than one path.

We determine how the existing home affects qualification and compare the financing strategies that may allow you to purchase before it sells.

Build the Timing Plan

Know the plan before you make the offer.

We map out the purchase, eventual sale, available funds, and potential overlap so you understand what needs to happen and when.

more than one way forward

What If Carrying Both Homes Doesn't Work?

If qualifying while carrying both homes doesn't work, there may still be other ways to structure the purchase. Depending on your income, available assets, current home equity, expected sale proceeds, and monthly obligations, options may include using eligible assets, accessing equity, or considering short-term financing such as a bridge loan.

The goal is not to force one solution. It's to compare the available strategies and determine which approach best fits your finances and the timing of your move to The Villages.