By David Parks · eXp Realty · The Apollo Group · 2 min read
Buying before you sell can be done through a home sale contingency, bridge financing, or using home equity. Each has trade-offs for cost, risk, and how sellers view your offer.
Your offer depends on selling your current home by a certain date. This can reduce risk for you but is often less attractive to sellers, especially in competitive markets.
A short-term loan or line of credit based on your current home’s equity lets you make a non-contingent offer. It adds cost and complexity.
Reduces financial risk but may require temporary housing or a rent-back from the buyer of your home.
Schedule both closings on the same day or close together, which requires careful planning among lenders and title companies.
Talk with a lender about how a new mortgage works while you still own your current home. Ask your agent which approach fits your market, your budget, and your risk tolerance.
This article is general information, not legal, tax, financial or inspection advice. Every home and situation is different, so confirm details with a licensed inspector, lender, attorney or tax professional.
David is a Greater Denver real estate advisor with eXp Realty and The Apollo Group (Colorado broker license FA100103211). He has closed more than $55 million in volume, earned eXp Icon status in 2025, and holds a 5.0 rating on Zillow from 27 verified reviews.
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