In short
Buy Before You Sell is our program that lets you access equity from your current home and remove the home-sale contingency from your next purchase — so you can buy and move into your new home before you sell your old one. The Brondt Cook Group originates the mortgage on your new home and coordinates the whole process so the pieces work together. Program features are subject to eligibility, program terms, and approval.
Reviewed by Brad Brondt, NMLS #242550 · Last updated July 23, 2026
Key takeaways
Buy Before You Sell solves the problem almost every move-up buyer runs into: your down payment is locked in your current home, and a contingent offer is the weakest kind in a competitive market. Our program removes both problems at once — you unlock your equity, buy without a home-sale contingency, and sell your old home afterward on your own terms.
What is Buy Before You Sell?
Buy Before You Sell is our program that lets you access equity from your current home and remove the home-sale contingency from your next purchase. In plain terms: you get to buy and move into your new home before selling your old one. The Brondt Cook Group originates the mortgage on your new home and coordinates the whole process so the pieces work together.
It solves the problem almost every move-up buyer runs into: your down payment is locked in your current home, and a contingent offer is the weakest kind in a competitive market. This removes both problems at once. Program features are subject to eligibility, program terms, and approval.
Who it's for
It's most useful for homeowners with equity who need to buy their next home before selling their current one — to avoid a contingent offer, a double move, or a temporary rental.
- You have equity, but it's tied up — your down payment is sitting in your current home. This unlocks it so you can put it toward the next one without selling first.
- You don't want a contingent offer — in a competitive market, an offer that depends on selling your current home first often loses. A non-contingent offer competes.
- You want to move once — skip the double move and the temporary rental. Move straight into your new home, then sell the old one after you've settled.
- You want to sell empty and staged — selling a vacant, staged home, without the stress of showings while you live there, often means a cleaner, stronger sale.
How it works
The program moves in four steps, and we coordinate each one so they fit together. Program features, including the equity unlock, home-sale guarantee, and purchase of a departing residence, are subject to eligibility requirements, program terms, availability, and approval.
- 1. Unlock your current home's equity — we evaluate your current home and give you access to a portion of its equity, plus a home-sale guarantee, before you list it. That removes the home-sale contingency from your next purchase.
- 2. Make a strong, non-contingent offer — with your equity unlocked and your down payment covered, you shop and make offers on your next home without a home-sale contingency — the kind of offer sellers take seriously.
- 3. Buy your next home — the Brondt Cook Group originates your new purchase mortgage. You move into your new home first, on your timeline, without waiting for your old one to sell.
- 4. Sell your old home and keep the upside — your agent lists and sells your previous home after you've moved, and you keep the net proceeds. If it doesn't sell within the program window, it's purchased through the program — so you're never stuck carrying two homes (subject to eligibility, program terms, and approval).
Why buyers use it
Buy Before You Sell lets you compete like a cash-ready, non-contingent buyer while keeping the upside of your current home's sale. You move once, on your own schedule, and you sell your old home empty and staged — which often means a cleaner, stronger sale. Because the program's fees come out of your old home's sale proceeds rather than out of pocket up front, you can decide with full information and zero pressure once you see the real numbers for your situation.
Quick facts
- What it does
- Lets you buy and move into your next home before selling your current one
- Equity unlock
- Based on your current home's value and mortgage balance, subject to program limits and eligibility
- Offer type
- Non-contingent — no home-sale contingency on your next purchase
- Home-sale guarantee
- If your old home doesn't sell within the program window, it's purchased (subject to eligibility, program terms, and approval)
- New purchase mortgage
- Originated by the Brondt Cook Group at Acre Mortgage and Financial, Inc.
- Program fees
- Come out of your old home's sale proceeds rather than out of pocket up front
- Best fit
- Homeowners with equity who need to buy before they sell
- Where we lend
- New Jersey, Pennsylvania, Delaware & Virginia
Is this loan right for you?
Who it's for
- Homeowners with equity who need to buy their next home before selling their current one.
- Move-up buyers who want to avoid a weak, contingent offer in a competitive market.
- Buyers who want to move once and skip a double move or a temporary rental.
- Sellers who'd rather list their old home empty and staged for a cleaner, stronger sale.
Who it may not fit
- Buyers with little or no equity in their current home to unlock.
- Homeowners who are happy to sell first and then shop for their next home.
- Buyers who don't yet own a home and have no departing residence to leverage.
Pros and cons
Pros
- Buy and move into your new home before you sell your old one.
- Make a non-contingent offer that competes in a hot market.
- One move instead of two — no temporary rental in between.
- Sell your old home empty and staged, on your own timeline.
- Keep the net proceeds from your home's sale.
Trade-offs to weigh
- The program has its own fees (paid from your old home's sale proceeds).
- You need meaningful equity in your current home to qualify.
- Timelines and terms depend on the program and your eligibility.
- Not every home or situation qualifies — it's subject to eligibility, program terms, and approval.
Frequently asked questions
What is Buy Before You Sell?
Buy Before You Sell is our program that lets you access equity from your current home and remove the home-sale contingency from your next purchase — so you can buy and move into your new home before you sell your old one. We originate the mortgage on your new home and coordinate the whole process for you. Program features are subject to eligibility, program terms, and approval.
How much does Buy Before You Sell cost?
The program has its own fees, which come out of your old home's sale proceeds rather than out of pocket up front. On your first call we'll walk through the real numbers for your situation — your equity, your new payment, and the total cost — so you can decide with full information and zero pressure.
Do I have to sell my current home first?
No — that's the entire point. The program is designed so you can make a non-contingent offer and move into your new home first, then sell your current home afterward on your own timeline.
What happens if my old home doesn't sell right away?
If your old home doesn't sell within the program window, it's purchased through the program — so you're not left carrying two mortgages. Specific timelines and terms depend on the program and your eligibility, and we'll go over exactly how it works for you.
How much of my home's value can I access?
The equity unlock amount is based on your current home's value and mortgage balance, subject to program limits and eligibility. We'll help you get an estimate up front so you know what you're working with before you shop.
Do you originate the mortgage on my new home?
Yes. The Brondt Cook Group originates the purchase mortgage on your new home and coordinates it with the program's equity unlock and home-sale guarantee, so the pieces work together on one timeline. Loan approval is subject to eligibility and program terms.
Is this a good fit for me?
It's most useful for homeowners with equity who need to buy their next home before selling their current one — to avoid a contingent offer, a double move, or a temporary rental. On one short call we'll tell you honestly whether it fits your situation, and what it would cost.
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Last updated July 23, 2026 · Reviewed by Brad Brondt, NMLS #242550. This page is educational and not a commitment to lend. Program details, figures, and eligibility are subject to change — ask for current numbers. Brondt Cook Group operates through Acre Mortgage and Financial, Inc., NMLS #13988. Equal Housing Lender.