Move Smart Series

Buy Before You Sell — Program Finder

For informational purposes only. All figures are rough estimates and are not a commitment to lend or a guarantee of eligibility. Your actual options are best determined by contacting your loan officer directly.

Estimated Cost to Sell

Includes agent commissions plus estimated costs to sell. Tap to change.

🏠 Current Home

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$
$
$

🏚 New Home

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$
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$

Includes principal & interest · taxes (2% of price) · $200/mo insurance · mortgage insurance if down payment < 20%

📊 Income, Debts & Available Funds

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Estimated Balances in Accounts

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Buy Before You Sell Options

If you already own a home but want to buy your next one before selling, there are several ways to make that happen. The right option depends on your equity, credit, income, and how quickly you plan to sell your current home.

⬆ Trade Up Program

This option is designed to simplify the move by reducing the burden of carrying multiple payments.

  • Intro bridge loan rate may start at 0%
  • No required monthly payments on the current home or bridge loan during the program term
  • Gives you roughly 3–6 months to sell your current home
  • Best for homeowners who want breathing room in their monthly budget before selling

🔓 Contingency Unlock

This option helps you make a stronger offer without making it contingent on selling your current home, while allowing a bridge loan for your purchase.

  • Bridge loan rate may be 0%
  • Current mortgage payment may be excluded from qualifying
  • Bridge loan payment may also be excluded from qualifying
  • Gives you about 120 days to sell
  • Best for buyers who need to compete with stronger offers

🏠 Move Once Program

This option is designed to simplify the move by reducing the burden of carrying multiple payments.

  • Multiple bridge loan options available
  • No required payments on the current home or bridge loan during the program term
  • Gives you 6–12 months to sell your current home
  • Best for homeowners who want more time and flexibility

🔁 Equity Advance

This bridge loan-only option lets you access equity from your current home before it sells.

  • Bridge loan rate may be 0%
  • The payment may count against your qualifying unless your current home is already pending sale
  • Available for borrowers using bank statements or a CPA letter to qualify
  • Gives you about 4 months to sell

🛡 DTI Shield

⚠ Not a bridge loan. This program provides qualifying flexibility to avoid a contingency approval when traditional lending requires it.

This program is not a bridge loan. It provides qualifying flexibility to avoid a contingency approval when traditional lending requires it.

  • Used for situations where traditional lending may require the sale of your current home first
  • Helps reduce the impact of the current home payment when qualifying
  • Ideal for self-employed or contract borrowers using bank statements or a CPA letter

💵 Cash Advantage Offer

⚠ Not a bridge loan. This program presents your purchase offer pre-approval as a cash-backed offer — giving you the competitive advantage of a cash buyer while still financing your mortgage.

This is not a bridge loan. This program turns your pre-approval into a stronger cash-backed offer when combined with a CCM bridge loan.

  • Program upgrades your pre-approval to a full cash offer — even if you are financing a mortgage
  • Best for buyers who want their offer backed by cash

Terms & Conditions: Borrower must be approved through FastTrack credit approval. CrossCountry Mortgage, LLC cannot guarantee that an applicant will be approved or that a closing can occur within a specific time frame. All closing timeframes may vary based on all involved parties’ level of participation at any stage of the loan process. Available for first-lien conventional mortgage purchases only. Cash offer is contingent on a clean home inspection. Borrower is required to place a minimum of 10% of the purchase price into escrow as earnest money. This offer is not a commitment to lend. All loans remain subject to underwriting and credit approval. Other restrictions may apply. Contact your CrossCountry Mortgage loan officer for more details.

Not sure which fits your situation?

Use the Program Finder tab to run your numbers, or reach out — a quick conversation is the fastest way to know where you stand.

📞 Contact Jon Tober 📅 Book a Free Consultation 📄 Apply Now

For informational purposes only. Not a commitment to lend. Contact your loan officer to determine the best solution for your specific situation.

Tap any term to see a plain-English explanation.

PITIA →

Your full monthly housing payment

Home Equity →

The value you actually own in your home

DTI — Debt-to-Income Ratio →

The number lenders use to see if you can afford the payment

LTV — Loan-to-Value →

How much of the home’s value is financed

Mortgage Insurance (MI) →

Extra monthly cost when your down payment is less than 20%

Home Sale Contingency →

A condition in your offer that depends on selling your current home first

Bridge Loan →

A short-term loan that connects your old home to your new one

Max Loan Limit →

The maximum loan amount for standard mortgage programs

Earnest Money →

A deposit that shows the seller you’re serious about buying

Closing Costs →

Fees paid at the end of the transaction to finalize the sale

The Jon Tober Team · CrossCountry Mortgage · (210) 317-7431