Buy Before You Sell
Move Once -
Sell After
Buy Before You Sell Program in Arizona helps you purchase your next home before listing your current one so you can write a stronger offer (often without a home-sale contingency), move once, and sell after on your timeline.
- Approval possible in as fast as 24 hours
- Make an offer with no home-sale contingency
- Move once, then sell vacant/staged on your timeline
Not sure you qualify? Totally normal. A quick call clears it up.
Win the home you want
Clean, competitive offers that sellers take seriously.
Keep your life intact
No living in “show-ready mode” for weeks.
Sell with more control
Better timing, better presentation, less pressure.
Feeling stuck because you need to sell first?
- Approval possible in as fast as 24 hours
- Make an offer with no home-sale contingency
- Move once, then sell vacant/staged on your timeline
You’re not behind — the timeline just isn’t built for real people.
The “sell first” plan can cost you the next home.
- When your offer depends on selling your current home first, it often becomes less attractive to sellers and it can force you to rush your sale (or move twice) just to make the timing work.
There’s a better way to line up the timing.
You don’t need more opinions — you need a plan.
- Hi, I’m Jeremy Boillot, a Certified Mortgage Advisor and mortgage broker. I help homeowners map a clear, numbers-first strategy so you can buy your next home confidently and coordinate with your agent to keep the offer clean and competitive.
Clear communication. Fast answers. No mystery.
Here’s the simple plan
Quick Fit Check
We confirm equity, credit, and timing so you know what’s possible.
Choose the Right Option
We match you to the best path: Buy Before You Sell or DTI Drop™ (sometimes both work together).
Buy First, Then Sell
You move into the new home, then sell your current home on a calmer timeline.
Two ways to solve the “sell first” problem
We’ll quickly identify which route fits your numbers and timeline.
BUY BEFORE YOU SELL
Best for: Homeowners with strong equity who want to make a clean offer and move once.
What it helps you do:
- Access a portion of equity for down payment/closing costs
- Write a stronger offer (often without a home-sale contingency)
- Move in first, then list your current home when you’re ready
How it works
- Approve your current home + confirm eligibility
- Purchase the next home
- Move in
- Sell your current home within the program timeline
Fee (be transparent): Typical program fee is 2.4% (structure depends on scenario).
DTI DROP™
Best for: Homeowners whose current mortgage payment is the main thing limiting buying power on paper.
What it helps you do:
- Potentially improve qualifying by changing how the current mortgage is treated temporarily (scenario-dependent)
Fee:
Fee: 1% of final sale price (minimum $5,000)
Important note (keep trust): This is case-by-case — I’ll tell you quickly if it applies.
Free download: The “Move Once” Blueprint
A quick guide that shows your options, how the timeline works, and the most common mistakes to avoid.
Offer Clean-Up Checklist (PDF)
- What sellers hate (and why)
- How to remove friction without overpaying
Frequently Asked Questions
Is this a bridge loan?
Not exactly but A Buy Before You Sell program is often called a bridge loan strategy because it helps you buy your next home before your current home sells. Depending on your equity, credit, and timeline we may look at other options and structure, like a bridge loan, HELOC, temporary second lien, or a short-term financing solution.
How fast can I get approved?
In many cases, we can provide a same-day or 24–48 hour “fit check” once we review basic income, credit, and your current home details. Full approval timing depends on documentation, the purchase contract, and appraisal/underwriting—my goal is to keep your timeline fast and predictable.
How much equity can I access?
Equity access depends on your current home value, mortgage balance, credit profile, and the specific program’s loan-to-value (LTV) limits. We’ll run a quick equity analysis and show you a realistic range so you know how much cash could be available for a down payment, closing costs, or reserves. Sometimes we may use this program to simply offset your monthly liability of your departing residence.
What if my current home doesn’t sell in time?
Most Buy Before You Sell programs include a defined window to sell your current home and a clear backup plan if it takes longer. Before you commit, we’ll review your timeline, pricing strategy, and contingency options so you understand the “Plan B” (and aren’t surprised later).
How much does it cost?
It’s free to get started. We’ll run a quick fit check and estimate how much equity you may be able to unlock—no cost and no obligation.
If you choose to move forward with the Buy Before You Sell, pricing depends on which structure fits your situation:
Option A (Unlock equity for your next home): 2.4% of the final sale price of your current (“departing”) home. The equity amount unlocked for the next home is provided at 0% interest on that unlocked amount.
Option B (Use the program without unlocking equity): 1.0% of the final sale price of your departing home, with a $5,000 minimum.
Can I keep my real estate agent?
Yes, absolutely, you keep your real estate agent. I coordinate directly with your agent to align the financing strategy, offer terms, and timeline so your offer is clean and you’re positioned as a strong buyer.
What types of homes qualify?
Most programs are designed for primary residences (single-family homes, many condos, and townhomes), but eligibility depends on property type, occupancy, and loan guidelines. The fastest way to confirm is a quick property fit check using the address, purchase price, and a few borrower basics.
Help Your Buyers Win — Without a Home-Sale Contingency
Give contingent buyers a cleaner path so you can write stronger offers, keep the deal together, and reduce fallout.
- Fast pre-qual / scenario review
- Cleaner offer structure (often non-contingent)
- You keep the relationship — we coordinate quietly
Want to know if this works for you?
Got a question? Call/text me and I’ll walk you through it in plain English
Jeremy Boillot is redefining the mortgage experience — delivering exceptional service, competitive pricing, and some of the fastest closings in the industry.
Contact
- Call, text, or email:
- Phone: (480) 677-0644
- Fax: (800) 385-3630
- Jboillot@BarrettFinancial.com
- Mon – Fri: 8am – 6pm*
- Sat – Sun: 10am – 5pm*
- *60 minute response times during operating hours.
Loan Programs
Jeremy Boillot | NMLS #1208591 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 E Insight Wy #150, Chandler, AZ 85286 | AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | CO | OH RM.804600.000 | WA MB-181106 | Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106 | www.barrettfinancial.com