Move-Up Strategy • Austin & Central Texas

Buy Your Next Home Before Selling This One

No Double Moves. Non-Contingent Offers. Equity Unlocked.

Found the perfect Austin home but your down payment is locked in your current property?

More about this financing option

Found the perfect Austin home but your down payment is locked in your current property? Or cannot qualify while carrying two mortgages at once? Adam Styer structures specialized bridge financing and backup purchase agreements that eliminate departing mortgage payments and unlock your equity upfront, so you can buy first, move once, and sell on your own timeline.

See My Options Book a 15-Min Call (512) 956-6010

By Adam Styer, Senior Loan Officer • NMLS #513013 • Company NMLS #2072896

Moving Convenience
Move Only Once
Avoid temporary rentals, storage fees, and double moves
Offer Strength
Non-Contingent
Submit competitive offers without home-sale contingencies
Departing Payment
Excluded from DTI
Backup purchase agreement removes departing PITI
Bridge Loan
No Monthly Payments
Interest accrues until your departing home sells
What should I know about this option?

How Does Buying Before Selling Work in Austin?

Traditional home transitions force buyers into a painful dilemma: sell first and live in temporary rentals while searching, or submit contingent purchase offers that Austin sellers routinely reject. Our Buy Before You Sell program solves both bottlenecks through two distinct tools.

First, a backup purchase agreement provides a verified institutional purchase commitment on your departing home, allowing underwriters to completely exclude that mortgage payment from your debt-to-income ratio. Second, an optional Equity Bridge Loan advances up to 75%–80% of your current home's equity with zero scheduled monthly payments during the transition. You purchase your new home cleanly, relocate at your leisure, and prepare your previous house to sell on the open market for top dollar.

Common Situations

Who This Program Is Built For

Clear borrower profiles where this financing structure solves real friction and delivers superior results.

Move-Up Families

Families outgrowing their current home in Cedar Park, Round Rock, or Central Austin who want to buy a larger home without disrupting school years with a temporary apartment rental.

Buyers Competing in Tight Submarkets

Winning offers in Westlake, Rollingwood, or Lake Travis where sellers refuse home-sale contingencies and demand firm, non-contingent closing dates.

Down-Payment-Equity-Trapped Owners

Homeowners with $200,000 to $800,000+ in accumulated equity in their current home but limited liquid cash outside retirement accounts.

Renovators & Relocators

Buyers who want to complete cosmetic updates or painting on their new home before moving their furniture in.

Options & Milestones

Simple Options & 3-Step Process

Straightforward paths to make the transition predictable, seamless, and stress-free.

Backup purchase agreement

An institutional backup purchase contract that allows the mortgage underwriter to eliminate your departing home's PITI from qualifying debt ratios.

Best for: Buyers who can afford cash down payment

Equity Bridge Loan

Advances liquid cash against your current home's equity for your next down payment and closing costs. Zero monthly payments during the transition.

Best for: Borrowers whose down payment is tied up in equity

Conventional / Jumbo Purchase

Combine the transition tools with competitive wholesale 30-year fixed conforming or jumbo mortgage financing for your new home.

Best for: Complete end-to-end financing package
01

Equity & Qualification Audit

Adam estimates your departing home value, calculates usable equity, and confirms your buying power for the new property.

02

Non-Contingent Offer & Close

You shop and make strong, non-contingent offers. When your offer is accepted, your bridge funds and new mortgage fund the purchase.

03

Move Once & Sell for Top Dollar

You move directly into your new home. Your listing agent stages and markets your vacant former home to achieve maximum market price.

Illustrative Scenario

In Action: A Clear Scenario

A transparent look at real-world numbers, underwriting parameters, and successful funding.

Illustrative Case • Move-Up Purchase Austin (Rollingwood / Westlake), Texas

Westlake Family — $1.4M Purchase Before Selling $850k Home

The Situation: An Austin family found their dream home in Rollingwood for $1,400,000. They owned a home in Central Austin valued at $850,000 with a $250,000 mortgage balance ($600,000 in equity), but had only $60,000 in liquid savings.

The Dilemma: The seller of the Rollingwood property had multiple offers and refused any offer contingent on the sale of their Central Austin home. Furthermore, their debt-to-income ratio could not support carrying both mortgages simultaneously.

The Solution: Adam paired a backup purchase agreement (which eliminated the departing $2,200/month mortgage payment from their DTI) with a $350,000 bridge loan against their $600,000 equity ($0 monthly payment). They put 20% down ($280,000) on the $1.4M purchase with a low 30-year jumbo loan, moved directly in, and sold their original home on the MLS for $875,000 four weeks later, paying off the bridge loan cleanly.

Disclosure: Illustrative scenario based on composite borrower profile. Actual interest rates, loan limits, and qualification guidelines depend on credit profile, property appraisal, and lender criteria.

Supporting Research & Worksheets

Explore the Details

In-depth underwriting guidelines, loan matrices, and interactive tools in our specialist resources.

How to Buy Before Selling Your Current Home Guide Read In-Depth Guide →

Detailed breakdown of bridge loans, backup contracts, fees, and timeline synchronization.

Home Affordability & Equity Calculator Calculate Buying Power →

Calculate how much purchasing power your accumulated home equity unlocks.

Austin Jumbo Mortgage Options Explore Jumbo →

Review requirements for financing high-value replacement homes above conforming limits.

Texas Home Equity & HELOC Regulations Explore Equity Rules →

Understand Texas Section 50(a)(6) equity guidelines and bridge financing mechanics.

Two roadblocks →

Clear Answers

Frequently Asked Questions

Straightforward answers to the questions Central Texas borrowers ask most.

Do I have to qualify carrying both mortgage payments at the same time?

No! An accepted backup purchase agreement allows underwriters to exclude your departing home's principal, interest, taxes, and insurance (PITI) from your debt-to-income calculation, so you only qualify on your new home's payment.

Are there monthly payments on the bridge loan?

Our bridge financing options typically have no scheduled monthly payments. The interest accrues during the bridge period and is paid off in full directly from the proceeds when your previous home sells.

What happens if my current home does not sell immediately on the MLS?

The company behind the backup purchase agreement agrees to purchase the home at the agreed-upon backup price at the end of the listing window if you have not sold it on the open market. In practice, virtually all Austin homeowners sell on the open market for a higher price before the deadline.

What are the costs associated with buying before selling?

Costs include standard bridge loan origination/interest and a program fee for the backup contract if utilized. These costs are almost always outweighed by avoiding double moving costs, months of temporary storage/rent, and the discount sellers demand on contingent offers.

How long do I have to sell my original home?

Bridge loan programs typically grant a 6 to 12-month window to list, market, and close on your departing home, giving your real estate agent ample time to maximize your sales price.

The Wholesale Advantage • Many wholesale lenders • Wholesale Pricing Without Corporate Bank Margins • Clear communication and the conditions list up front • Direct 1-on-1 Strategy from Adam Styer

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