First, we’ll evaluate your property for the program and let you know how much of your equity you can unlock for the purchase of your new home. Then, you can confidently make a strong offer on your new home without a home sale contingency — and avoid moving twice. After closing on the new home, your agent can list your current home vacant on the market to attract the strongest offer possible.

It’s free to get started and see how much equity you can unlock. If you decide to transact using the program, the fee is:

2.4%* of the home sale if you choose to use an outside lender and closing company.

1.7%* of the home sale if you use our lending and closing services.

The amount of equity you can unlock is determined using our proprietary algorithm, which takes into consideration your agent’s 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.

There is no limit for 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.

Just four easy steps. (1) After you’re pre-approved, we'll send our Borrower's Authorization form to have you sign and start the buy before you sell process. (2) Once we have your form, we'll shoot a confirmation email to your agent. As soon as your agent fills out our short questionnaire, our approval team will begin their review. (3) In our confirmation email, we’ll also include photo guidelines and we’ll follow up with a link to upload them. *Note: Photos are not needed if home is currently listed. (4) We'll also attach a link to schedule an inspection through Inspectify. *Notes: if you choose to not proceed, we'll cover the cost. If the home is <2 years, no inspection necessary.