Buy Before You Sell: Make a Non-Contingent Offer on Your Next Home

Use the equity in your current home to buy your next one first, with no home-sale contingency and no double move. Request a free quote below. Requesting a quote does not pull your credit.

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How the program works

1. Unlock your equity. Access up to 70% of your current home's value (combined loan-to-value), minus what you owe, for your next down payment. The down payment funds are provided as an interest-free loan.
2. Quick home review. After you request a quote, we submit your current home for review. Most reviews are completed in 1 to 2 business days.
3. Buy with a stronger offer. Shop and write offers without a home-sale contingency.
4. List your old home. Your realtor lists your departing home within 30 days after you close on the new one. Realtors keep their full commission.
5. Home Sale Guarantee. If it sells on the open market, you keep 100% of the net sale proceeds. If it hasn't sold within 180 days, the program buys it, and the net proceeds go to you minus program fees and costs.

Quick estimate: how much equity could you use?

A simple way to think about it: (Home value × 70%) − all mortgage and HELOC balances.

Example: a $500,000 home × 70% = $350,000. With a $200,000 mortgage balance, you may be able to access about $150,000 toward your next purchase. Our team runs this number for you after you submit. Final numbers are set by underwriting.

Good to know

• Program fee: 2.4% of your departing home's sale price.
• Not available for homes in HI, AK, DE, FL, LA, PA or NY. Specific restrictions apply in Cook County, Illinois.
• Your new home loan still requires standard approval (credit, income and assets).

What happens after you submit

You'll get an email confirming we received your request. At the same time, our team is alerted and prepares your scenario for underwriting review. A loan officer will follow up with your quote, usually within 1 to 2 business days.

Request your Buy Before You Sell quote

This is not a loan application or commitment to lend. Program availability, terms, fees and eligibility are subject to change and to underwriting and property approval. Dan Frio | NMLS #246527 | PBT Bancorp | NMLS #257781. Equal Housing Opportunity.