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Expanded Access Buy Now Sell Later

I want to buy a new home before I sell my current one.

For homeowners who are ready to move but haven’t sold (or listed) your current home, this could be the flexibility you’ve been waiting for. With Expanded Access Buy Now, Sell Later, you can qualify for a new home loan even if your current home isn’t under contract.

Most lenders require your current home to be sold before you can qualify without including the mortgage payments in your debt. But timing doesn’t always work out that way. This solution is designed to help you buy first and sell second, giving you more flexibility and less pressure. The best part? For qualified borrowers, your current mortgage payment will not impact your ability to qualify for the home you want.

FLEXIBLE FOR REAL-LIFE MOVES:

  • Act fast when the perfect home becomes available
  • Make repairs or stage current home before listing
  • Relocate on a tight timeline
  • Compete in a hot market where contingent offers don’t win

GET MOVING WITHOUT THE ROADBLOCKS:

  • Your current mortgage will not count toward your debt-to-income ratio
  • You don’t need a signed contract to qualify (additional assets are required without a signed contract)
  • Gives you the time you need to move first and sell on your schedule

EXPANDED ACCESS BUY NOW, SELL LATER QUALIFICATIONS*

  • Primary residences only (1-4 unit homes, condos, and PUDs)
  • Minimum FICO: 620
  • Max loan amount: $3,500,000 Must have positive net proceeds (or enough assets to cover losses) if the home is under contract
  • Must have at least 20% equity if the home isn’t under contract
  • You cannot keep both homes as primary residences

*Qualification required. Additional restrictions apply. Programs, rates, terms and conditions are subject to change without notice.

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