Stop losing out on your dream home because you have a house to sell. Our Buy Before You Sell bridge loan unlocks your equity so you can make competitive, non-contingent offers — just like a cash buyer. Move once. Skip the stress. Win more bids.
Serving Michigan homeowners • No obligation • Free consultation
Skip the Stress of Simultaneous Closings
Move into your new home, then sell your old one on your terms
Answer a few quick questions to see if our bridge loan program is right for you. Takes about 60 seconds. No credit check required.
✓ No obligation ✓ No credit impact ✓ Instant results
Our bridge loan program is simple: we unlock your current home's equity so you can buy first, move once, and sell on your terms.
We assess your current home's equity and pre-approve you for bridge financing. Know exactly how much buying power you have.
Shop for your new home with confidence. Make strong, non-contingent offers that compete with cash buyers.
Close on your new home and move in. No temporary housing, no storage units, no stress of coordinating two closings.
List your previous home vacant — staged and show-ready. Vacant homes often sell faster and for more money.
See why smart homeowners are choosing to buy first and skip the chaos of coordinating two transactions.
Stressful & Risky
Simple & Stress-Free
To qualify for a Buy Before You Sell bridge loan in Michigan, you generally need at least 20–25% equity in your current home and a credit score around 680 (options may start at 620). The program then unlocks up to 70% of that equity for your new home's down payment, with a guaranteed backup offer if your old home doesn't sell. The table below breaks down what to expect.
Last updated: July 28, 2026
| Requirement | Detail |
|---|---|
| Minimum home equity | 20–25% equity in your current home. Homes with 50% or more equity often qualify for the best terms. |
| Equity you can unlock | Up to 70% of your current home's equity to put toward your new home's down payment. |
| Credit score | 680+ works best; options may be available from 620 depending on your equity and overall profile. |
| Pre-qualification check | A soft credit pull to start — no hard inquiry and no obligation to proceed. |
| If your old home doesn't sell | A guaranteed backup offer provides a committed purchase within the program timeframe, so you're never stuck with two mortgages. |
| Time to buy the new home | Once pre-approved you can shop immediately and typically close within 30–45 days of finding your home. |
| Time to sell the old home | Usually 90–120 days after you move in, sold vacant and staged — with the backup offer as a safety net. |
| Where it's available | Statewide across Michigan, including Detroit, Grand Rapids, Ann Arbor, Lansing, Brighton, Livonia, and Troy. |
Real families who used Buy Before You Sell to make their move stress-free.
“We were losing out on every home because our offers had contingencies. With Buy Before You Sell, we made a clean offer and won against 5 other buyers. We moved into our dream home and sold our old house a month later for full asking price.”
Sarah & Mike T.
Brighton, MI
“The idea of coordinating two closings with three kids was terrifying. David helped us buy our new home first, move in, and then list our old place. No temporary housing, no chaos. Just one easy move.”
The Rodriguez Family
Ann Arbor, MI
“I was skeptical at first, but the bridge loan made total sense once I understood the numbers. I got to stage my old house vacant, which I think helped us sell for $20K over asking. Worth every penny.”
Jennifer K.
Troy, MI
Get an instant estimate of your available equity for a Buy Before You Sell bridge loan.
*This is an estimate only. Actual terms depend on credit, income, and property factors.
Get answers to common questions about our Buy Before You Sell program.
A Buy Before You Sell program is bridge financing that unlocks your current home's equity so you can purchase your new home before selling your existing one. This eliminates the need for contingent offers, allows you to move once without temporary housing, and lets you sell your old home vacant for potentially higher offers. The bridge loan is paid off when your previous home sells.
Practical guides on bridge loans and buying before you sell — written for Michigan homeowners.
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A 2026 buyer’s guide to Michigan real estate — Detroit, Grand Rapids, Ann Arbor, Lansing, and Troy — and how to compete with a bridge loan and a non-contingent offer.
A job relocation to Michigan on a tight timeline? A bridge loan lets you buy near your new job before selling your old home. Here is how it works.
The most common bridge loan mistakes I see Michigan homeowners make — from overpricing the current home to skipping the exit plan — and how to avoid them.
Bridge loan, HELOC, cash-out refinance, home equity loan, or selling first? Compare five ways Michigan homeowners can access equity for their next move.
Your dedicated Buy Before You Sell specialist serving Michigan homeowners.
NMLS #167980
David specializes in Buy Before You Sell bridge loan programs, helping Michigan homeowners make their moves seamless and stress-free. With deep expertise in bridge financing, he guides families through the process of buying their new home before selling their current one.
Take our free 60-second quiz to see if you qualify. No credit check required.
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