Buy Now,
Sell Later.
A family down the street found their next home last month. There was just one problem, their current house hadn't sold yet. Most people would have let it go. They didn't have to. They moved without selling first, skipped the double move, and made a non-contingent offer that won them the house they wanted. Are you next?
Get your Buy-Before-Sell game plan
Takes two minutes. Walt will call or text within one business day.No obligation. Equal Housing Lender. Walt Schulz, NMLS# 291601, Waterstone Mortgage.
The best home may not wait for yours to sell
Right now, tight inventory and a competitive market mean the timeline problem is real, not imagined.
Tight, high-quality inventory can move fast, sometimes in days.
A contingent offer is often the weakest offer a seller sees.
Buyers with real equity still feel trapped, because that equity isn't liquid yet.
Sellers on the other side want certainty, speed, and a clean path to closing.
You stay in control of the move between homes.
Buy First
Compete for your next home without waiting on your current one to close.
Move Once
Skip the storage unit, the temporary rental, and the second move.
Sell With Confidence
List and market your current home on your own timeline, not a rushed one.
There's a qualified path for almost every situation
The right one depends on your income, your equity, and your timeline. That's what the game plan figures out. These can be used on their own or combined, it's about finding the strategy that fits you best.
Hybrid or Mix Bridge Loan
A structure that lets you access equity in your current home before it lists or closes.
Bridge HELOC (interest-only)
An interest-only equity line on your current home while you transition.
Traditional dual qualification
Qualify while carrying both payments during the transition.
Low down payment on the new home
Buy with a smaller down payment, topped up by a small equity pull from your current home if you have room.
Retirement distribution or asset depletion
Convert eligible assets into qualifying income.
Current home already under contract
Use your pending sale to strengthen the new purchase.
Asset qualifier program
Qualify through reserves rather than traditional income.
Guaranteed sale / trade-in program
A third-party program can buy your current home today at a guaranteed price, typically at a discount to market. We can use this option to help you write a non-contingent offer.
See the strategy move from home to home
Estimate potential down-payment funds
Enter an estimated appraised value and payoff. This planning tool applies an 80% loan-to-value estimate. Nothing you enter here is submitted or stored.
PLANNING ESTIMATE
Educational estimate only. Estimates a gross advance at 80% of entered value, before subtracting entered payoff and costs. Actual proceeds depend on the completed appraisal, liens, costs, documentation, program rules, and underwriting. Not a Loan Estimate or a commitment to lend.
Four questions, one likely starting point
This is a conversation starter, not an approval. Answer honestly and see which of the eight paths tends to fit situations like yours.
Equity-rich buyers gain the most flexibility
Homeowners with substantial equity but limited liquid cash.
Families who need to move before preparing their current home for sale.
Relocators, downsizers, retirees, and reverse 1031 exchange buyers.
Self-employed or high-asset households with nontraditional income.
Two big decisions. Not one impossible deadline.
A well-built structure gives you room to plan the offer, the move, the listing, and the sale proceeds, without pretending there's no risk involved.
Bring me the home you want, the property you own, and the full picture of your finances. I'll help you understand which move-first structure is worth evaluating, and what needs to be true for it to work responsibly. No confusion, no pressure, no bad advice.
Walt Schulz · NMLS #291601 · Waterstone Mortgage
Planning replaces uncertainty with clear safeguards
A conservative pricing, timing, reserve, and backup strategy gets built in before closing on the new home.
Depends on the structure. Some paths exclude, defer, or temporarily support the current-home payment entirely.
Verified equity, realistic sale assumptions, liquidity reserves, and a documented exit plan keep the risk managed.
No. Every transaction gets structured around your specific income, assets, equity, and timeline.
Stop waiting on a listing to make your next move.
Book a free 20-minute call and Walt will map your numbers against all eight paths.
Get My Game Plan
State License
OR #291601
AK, CO, CT, DE, FL, GA, IN, KS, LA, MI, MN, MS, MT, MO, NE, NV, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WI, WY
Social Media Links
YouTube
