Buy Before You Sell,
the modern bridge
solution for your clients
How Buy Before You Sell Works
An illustration of a blue ribbon with a check mark inside of it. Buy Before You Sell powered by HomeLight enables lenders to evaluate how much equity can be unlocked from an existing home for use towards a down payment.
Get your client’s property approved

We’ll evaluate the current property for the program and let you know how much  equity we can unlock for your client.

Make a competitive offer

Once approved, your client will have access to a portion of their equity and be able to submit a competitive offer with no home sale contingency at any time.

An illustration of a hand holding dollar bills. Buy Before You Sell powered by HomeLight enables lenders to offer clients more competitive offers with zero home sale contingencies.
An illustration of a moving truck. Buy Before You Sell powered by HomeLight enables lenders to allow clients to move once.
Moving to the new home

Your client can move immediately to their new home, thus avoiding paying for temporary housing and skipping the hassle of showing their home while they still live there.

List the old home

Your client's agent will be ready to list the home unoccupied and potentially staged to attract the strongest offers possible. After selling your client will receive the remainder of their equity.

An illustration of a for sale sign in the grass. Buy Before You Sell powered by HomeLight allows agents and lenders to list homes unoccupied and potentially staged to attract the best offers.
Ready to submit your first client?

Partner with HomeLight to unlock this powerful tool

Submit a Client

Equity Unlock Calculator

Estimate how much equity we can unlock from your client’s current home
Go to the Calculator
Questions? We have answers.

How do you determine how much equity I can unlock from my current home?

The amount of equity you can unlock is determined using HomeLight's proprietary algorithm, which takes into consideration my estimation of the home's value, current market conditions, projected market risk, borrower financials, outstanding loans, and more. You'll be able to unlock a portion of the overall equity you have in your home upfront, prior to selling the home and will receive the remainder of your equity after the home sells, less program fees and expenses.

What can I use my Equity Unlock Amount for?

You can use your Equity Unlock Amount for more than a down payment on your new home. You can also use it for:
• Moving expenses
• Closing expenses
• Property repair
• And more

What if my home is already listed?

There is no limit to how many cumulative days a property has been listed on the market at time of submission. However, the total number of listed days can affect your Equity Unlock Amount based on the risk profile of the property

What if my current home doesn't sell?

HomeLight partners with top agents nationwide to make buying and selling a home simpler, more certain, and satisfying for all. We will work closely with you to sell your home. If the current home does not sell within 90 days of the closing of the new home, HomeLight will buy the property and continue to work with you to sell it. Any profits from the sale, after deducting HomeLight’s incurred costs, will be distributed to the client.

Sounds too good to be true. What's the catch?

There is no catch! Your client is paying to use the program, but there are real savings and gains created from the program.

How much does the program cost?

2.4% of the home sale.

Thanks to the structure of the program, you might be able to save up to 1-3% of the purchase of your new home with a non-contingent offer, and sell your existing home for up to 5-10% more³ by listing it unoccupied and potentially staged.

Helpful Resources
Go to the Resource Hub
Sign Up for a Webinar.

Get the most of the program for your clients and become an expert in Buy Before You Sell with this Webinar.

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HomeLight Home Loans, Inc. NMLS ID#1529229, Equal Housing Lender.1375 N. Scottsdale Rd., # 110, Scottsdale, AZ 85257 | Telephone 844-882-3283

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