Can I buy a home before selling my current one?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. If you qualify carrying both payments, you can buy first. If not, a bridge loan or a HELOC on your current home can fund the new down payment until your sale closes.
Some buyers also use the projected rent or a sale contract on the departing home to qualify. We'll structure the timing so you're not forced into a contingent offer in a competitive Florida market.
Yes, several ways
Yes. You can buy before selling using a bridge loan, a HELOC on your current home, or by qualifying to carry both mortgages at once. Each path has trade-offs.
This lets you avoid moving twice or making a rushed sale.
Choosing your approach
A bridge loan or HELOC taps your current equity for the new down payment. If your income supports both payments, you may not need either.
We help buyers make the timing work. Apply now and we will map the smoothest path to your next home.