Buy before you sell · Austin & Texas

Buy your next home before selling this one.

Found the right house, but can’t qualify with both mortgage payments? Or is your down payment tied up in the home you still own?

A guaranteed backup contract can help with qualification. A bridge loan can provide down payment funds. I’ll help you put the right pieces in place.

Send Your ScenarioSee How It Works ↓

Start with a few estimates. No documents or credit pull.
Call Adam: (512) 956-6010

Adam Styer · NMLS #513013 · Licensed in Texas

A way to move forward

Your current homeEquity + existing mortgage
Your next homeBuy before the old one sells
1

Help qualifyingBackup contract on your current home

2

Help with the down paymentBridge loan, only if you need it

Buy → Move → Sell your current home

The problem → The solution

Two roadblocks. A plan for each.

1

“I can’t qualify with both house payments.”

The tool: Guaranteed Backup Contract

A company commits to buy your current home at an agreed price if it hasn’t sold within the agreed timeframe, subject to the contract’s conditions.

When the new mortgage lender accepts that contract, it can exclude your current home’s PITI—principal, interest, taxes, and insurance—from the qualification calculation.

Without an accepted contractCurrent home + next home
With an accepted contractNext home’s payment

Housing-payment comparison only; other debts and loan requirements still apply. The old mortgage payment remains due until that loan is paid off.

2

“My down payment is tied up in my current home.”

The tool: Bridge financing

A short-term bridge loan lets you borrow against available equity in the home you’re selling, before the sale closes.

Use those funds for the next home’s down payment or closing costs. Eligible options typically have no scheduled monthly bridge-loan payments; interest accrues until payoff.

  1. Equity in your current home
  2. Bridge loan funds
  3. Down payment on your next home

When your current home sells, proceeds repay the bridge loan and accrued interest. I’ll confirm available equity, fees, and the repayment deadline with you.

Need both? We can pair the tools. Already have your down payment? You may only need the backup contract.

How the move comes together

Buy first. Sell with a plan.

  1. 1

    Review your situation

    We look at your current home, equity, next purchase, and timing.

  2. 2

    Put the tools in place

    Confirm the backup contract and mortgage approval. Arrange bridge funds if needed.

  3. 3

    Buy and move

    Close on the next home before completing the sale of your current one.

  4. 4

    Sell and repay

    Sell the old home and pay off its loans, including any bridge balance and accrued interest.

Let’s Look at Your Move

A few things you may be wondering

Do I have to qualify with both house payments?

An accepted Guaranteed Backup Contract can let the lender exclude the departing home’s principal, interest, taxes, and insurance (PITI) from your debt-to-income calculation. I’ll confirm the contract meets the new mortgage lender’s requirements. You still owe the old home’s payment until that loan is paid off.

Do I need a bridge loan to use a backup contract?

No. If you already have the cash for your next purchase, the backup contract may be all you need to address qualification. Bridge financing is an additional tool when you need access to your current home’s equity.

Are there monthly payments on the bridge loan?

The bridge options I’m describing typically have no scheduled monthly payments. Interest still accrues and is due when the loan is paid off, usually from the sale proceeds. This does not pause payments on an existing mortgage that remains in place.

What happens if my current home does not sell?

The backup company agrees to purchase the home at the price and deadline specified in the contract, provided its conditions are met. I’ll walk you through that agreement, the sale window, and the bridge loan’s repayment deadline before you commit.

What will this cost?

The backup contract can have a program fee. A bridge loan adds interest and loan costs. I’ll review the costs, available equity, and expected sale timing with you so you can decide whether buying first makes sense.

Let’s look at your numbers

Tell me where you want to go next.

Send me your current home’s approximate value and mortgage balance, the price of the next home, and your timing. Estimates are fine.

I’ll help you understand whether you need a backup contract, bridge financing, or both—and what the plan would cost.

Prefer to talk? Call or text (512) 956-6010.

Ready for a formal loan review?

Apply Now

Send Your Scenario

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Your scenario

Your plans
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For a time-sensitive question, you can also text Adam.

This short review is not a loan application, pre-approval, or commitment to lend. Privacy

Buying before selling in Austin

I help Austin-area homeowners plan the financing for their next move, including Round Rock, Cedar Park, Leander, and Lakeway. We’ll coordinate the financing with your purchase and sale timeline.

Explore the affordability calculator, qualifying with assets, or other buy-before-you-sell approaches.

Program information and sources

Examples of these tools: Flyhomes Guaranteed Backup Contract / DTI Buster and Equity for Down Payment. The written agreement determines the backup purchase price, timeframe, and conditions. The mortgage lender must accept the arrangement; bridge-loan availability and terms require review.

By Adam Styer, NMLS #513013 · Updated September 11, 2026. All loans are subject to credit, property, and underwriting approval. Not all applicants qualify. This is not a commitment to lend.