Help Your Client’s Buy Before They Sell Financing strategies that can help homeowners purchase their next home before selling their current one.
8 Reasons a Buyer May Want to Buy Before They Sell 1. They found the perfect home and don’t want to lose it.
The right property becomes available before they are ready to list or sell their current home.
2. They don’t want to move twice.
Selling first could mean temporary housing, storage and another move once they find their next home.
3. They need time to prepare their current home for sale.
Buying first can provide time to declutter, make repairs, update the property or stage it without living through the process.
4. They’re moving for a job or relocation.
A new position, transfer or commute may create a need to secure housing in the new area before the existing home can be sold.
5. Their family’s housing needs have changed.
A growing family, multigenerational living, downsizing or another life change may make finding the next home a priority.
6. They’re buying in a competitive or low-inventory market.
Waiting for their current home to sell could mean missing a limited opportunity in the neighborhood, school district or property type they want.
7. They want more control over the timing of their sale.
Having the next home secured may reduce pressure to accept an offer simply because they need theircurrent home to close quickly.
8. They want a smoother transition between homes.
Having access to both properties for a period of timecan make moving, renovations, cleaning and coordinating closing dates much easier.
Why It Matters to Real Estate Agents 1
Unlock more buyers
Help homeowners who are hesitant to list because they have not found their next home.
2 Create stronger purchase strategies Depending on the program and transaction, buyers may be able to compete without making their offer contingent on the sale of their current home.
3 Win the next listing A buy-before-you-sell conversation can naturally open the door to both the purchase and the listing opportunity.
4 Reduce transaction stress More flexibility around timing can make the process easier for the buyer and help the agent coordinate both sides of the move.
Buy First. Sell Next. Here’s How. The path to buying before selling can look different for every client. Understanding their goals, equity, qualifications, and transaction details helps determine the best approach.
NAF Cash®
NAF Bridge Loan
NAF Private Label Program
Recast Option
Buy Now, Sell Later Made Possible The right strategy depends on the buyer’s goals. NAF Cash®, an affiliate of New American Funding, gives buyers the power to make a competitive all-cash offer on their next home before their current one ever hits the market.
No waiting. No contingencies. No compromises.
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How it Works CLIENT GETS APPROVED AS A NAF CASH BUYER A strong, fully backed all-cash offer - unlocked exclusively through New American Funding.
NAF PURCHASES THE HOME
A strong, fully backed all-cash offer - unlocked exclusively through New American Funding.
CLIENT MOVES IN RIGHT AWAY
No selling pressure. No rushed decisions. Just a seamless move into their new home.
CLIENT FINANCES THE HOME THROUGH NAF Once settled in, finalizing a mortgage with New American Funding completes the process.
Bridge Loans NAF Bridge is a unique solution that bridges the financial gap. Your buyers can access their home equity to purchase a new home before selling their current one, all without a monthly payment until their current home sells.
How Do Bridge Loans Work?
Plan to Purchase Before Selling
Apply for a Bridge Loan
Purchase New Property
SOLD
Repay Bridge Loan
Sell Previous Home
NAF Private Label Loans Not every buyer fits neatly inside a standard agency box. NAF Private Label Loan can expand the financing conversation for qualified borrowers with more complex needs.
Product Highlights: • Alternative Income Sources • 1 Year Tax Returns • Bank Statement • Asset Utilization • Interest Only Option • Fixed Rate & ARM Options • Non-Warrantable Condos • Departure Home Housing Payment can be Excluded from DTI
Recast: A Powerful Post-Sale Strategy A recast can give qualified buyers the flexibility to purchase their next home with a lower initial down payment, then use proceeds from the sale of their previous home to reduce their new mortgage balance and monthly payment.
1
Buy the New Home
Purchase the next home before selling the current home. The buyer may be able to use a minimum down payment, helping preserve available cash and equity.
2 Sell the Previous Home The buyer can then list and sell their previous home on their own timeline, without having to coordinate both closings on the same day.
3 Apply the Sale Proceeds Once the previous home sells, the borrower can use proceeds from the sale to make a large principal payment toward the mortgage on the new home.
4 Request a Recast The mortgage is re-amortized using the new, lower principal balance, which can reduce the borrower’s monthly principal and interest payment without refinancing. In most instances the Mortgage Insurance can also be removed.
Turn “We Have to Sell First” Into Possibilities
NAF offers multiple financing strategies that may help your clients buy first, sell on their timeline, and move forward with greater flexibility.
Let’s Build a Buy-Before-You-Sell Strategy Bring me into the conversation early. Together, we can review the buyer’s goals and determine which financing options may help them move forward.
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Equal Housing Opportunity. Not intended for distribution to consumers as defined by Section 1026.2 of Regulation Z which implements the Truth-In-Lending Act. This information is to inform the real estate industry only and is not marketing material to be provided to consumers. This is not a loan commitment or guarantee of any kind. Terms and conditions apply. Subject to borrower and property qualifications. Not all applicants will qualify. Rates and terms are subject to change without notice. All mortgage loan products are subject to credit and property approval. ©️ 2026 New American Funding, LLC. NMLS #6606. nmlsconsumeraccess.org. https://www.newamericanfunding.com/legal/state-licensing/. 1 MacArthur Place, Suite 800, Santa Ana, CA 92707 newamericanfunding.com. (800) 450-2010. NAF Cash, LLC (“NAF Cash”) is a real estate company that is an affiliated company of New American Funding, LLC. All products and services supplied by NAF Cash are subject to state availability and contractual terms and conditions. NAF Cash does not originate loans or issue loan commitments. NAF Cash charges a Transaction Fee of 1.50%-7.5% of the purchase price (fee varies by state and program). License: MI Real Estate Broker #6505431332. Not available in: DC, NY, MA, TX, Guam, Puerto Rico, or U.S. Virgin Islands. Borrower is obtaining a bridge loan secured by their current primary residence to use the cash out proceeds towards the purchase of their new primary residence while they await the sale of their current primary residence. This loan product contains a balloon payment and requires no monthly payments during the 12-month term. The entire amount of outstanding principal and accrued interest is due at maturity or the sale of the property, if sooner than maturity. Payments do not include amounts for taxes and insurance premiums. Your actual payment obligation will be higher. Not all loans are eligible for recast. 08/2026