Flyhomes Buy Before You Sell
DTI Buster
Lower debt ratio, remove home sale contingency, and only move once.
Get Started
What DTI Buster Makes Possible
.svg)
Qualify for more
With a Guaranteed Backup Contract on the current home, underwriters can exclude that mortgage from the DTI calculation, so homebuyers can qualify for significantly more on their next purchase.
No home sale contingency, ever
Make a stronger, cleaner offer without the uncertainty of having to sell first. Homebuyers can compete with confidence.
Ready in 24 hours, available in all 50 states
No origination process. No wholesale agreement required. Approval in as little as 24 hours, or 3 hours when it’s urgent.
Sell the current home at full market value
List and sell with any agent, on your own timeline. If the home doesn’t sell within 180 days, Flyhomes buys it at the contract price and handles the resale — any net proceeds go back to the homebuyer.*
*Net profits = extra sale proceeds minus Flyhomes’ transaction costs (closing costs, holding costs, realtor commissions). Flyhomes does not charge additional fees for buying and selling the property.
How it Works
Fast and easy. No loan process required.
01
Get approved
Submit the current home for Guaranteed Backup Contract approval, and hear back in 24 hours, or as fast as 3 hours. No loan or wholesale agreement needed.
02
Make a winning offer
Use the Guaranteed Backup Contract to submit a strong offer without a home sale contingency.
03
Close and move once
Close on the new home and move in directly. No double moves, no temporary housing, no storage units.
04
Sell the current home
List and sell the current home. If it doesn’t sell within 180 days of the new home sale, Flyhomes buys it at the contract price, and any net proceeds go back to the homebuyer.
Real buyers, real wins
See how DTI Buster resolved situations that would have otherwise stopped a move.
DTI Buster
Qualify for more before selling
New home: $650K | Current home: $425K
Challenge
Daniel needed to move with his elderly mother but couldn’t qualify for a large enough loan while still carrying his existing mortgage. His DTI was too high.
Solution
His loan officer used DTI Buster to secure a Guaranteed Backup Contract on his current home. The underwriter excluded that mortgage from his DTI, boosting his approved loan amount by 30%. He bought his next home, moved once, and had 180 days to sell his old one.
DTI Buster
Save a deal at the last minute
New home: $850K | Current home: $640K
Challenge
Anthony’s current home was under contract when his buyer unexpectedly backed out. He could no longer exclude that mortgage from his DTI — and risked losing his new home.
Solution
Within 12 hours, Flyhomes provided a Guaranteed Backup Contract on his current home. His lender excluded the existing mortgage from his DTI, and Anthony closed on his new home on time.
What people are saying
“A client of mine wanted to purchase a primary single-family residence. That home had 22 offers! Because of Flyhomes Cash Offer, the seller accepted our offer! What a wonderful product! I have been pitching it to ALL of my realtor partners. This particular realtor already sent me another client last week and that loan is about to close next week!”
Yuki Hoang
Loan Officer, West Capital Lending
"The future of real estate belongs to agents and loan officers who can provide certainty. Throughout my career leading brokerage brands, real estate technology companies, and lending platforms, I've rarely seen a suite of buy-before-you-sell products that change the competitive equation as much as Flyhomes. By eliminating contingencies with speed and affordability, Flyhomes empowers its partners to win more offers, rescue more transactions, and grow their business in ways that simply weren't possible before."
Simon Chen
Former CEO of ERA Real Estate and Arrival Home Loans
"I've done a ton of bridge loans where the bank does the bridge and I do the refinance. With Flyhomes I was like, wow, I can probably eliminate most of the bridge loans I've been doing and just close these as a purchase, which is exactly what happened."
Melissa Condensa
Branch Manager, Guild Mortgage
“We have been working with the client for nearly 2 years, placing contingent offers that were repeatedly rejected by the sellers. With Flyhomes solutions, we beat other offers. For me, this meant a fast close, an offer accepted, and more referrals. And it's 3 loans in one. Big commission.”
John MacFarlane
Branch Manager, West Capital Lending
“My borrower was downsizing. Flyhomes provided a customized product for our client that allowed him to close on his new house with zero money out of pocket. And I got a faster close and a strong product mix to provide my valued realtor partner.”
Patrick J. Roman
Division Manager, E Mortgage Capital
Why Flyhomes DTI Buster stands apart
Flyhomes DTI Buster
Approval in as little as 24 hours, no underwriting, no origination, no endless waiting.¹
Simple flat-tiered fee, starting at $2500.
For example, on a $950K home, fees are typically around $2,500.
Submit a request as a loan officer, agent, or homebuyer. No wholesale agreement or channel restrictions required.
Available in all 50 states.
Others
Usually requires full underwriting, loan origination, or weeks of processing.
Program fees are tied to full home value.
On a $950K home, fees can range from $9,500–$40,000²
Lenders must typically originate through a specific channel or sign partnership agreements first.
Limited states or require local partner networks.
Available wherever you are moving
The Guaranteed Backup Contract powering DTI Buster is available in all 50 states. No matter where homebuyers are buying or selling, we can help.
FAQ's
What exactly is the Guaranteed Backup Contract?
It’s a legally binding backup purchase agreement that Flyhomes places on the homebuyer’s existing home. Because it represents a committed sale, most underwriters allow the existing mortgage to be excluded from the DTI calculation. So it can help lower debt ratio of homebuyers, so they can qualify for their next mortgage while carrying the existing one, and remove home sale contingencies.
How long does approval take?
Standard approval is within 24 hours. In urgent situations, we can often move in as little as 3 hours. No income documents, asset verification, or wholesale agreements required
What happens if the old home doesn’t sell?
If the home doesn’t sell within 180 days of the new home closing, Flyhomes purchases it at the contract price. Flyhomes then handles the resale, and the homebuyer keeps any net profits from the eventual sale*.
What's the cost?
The Guaranteed Backup Contract has a flat-tiered program fee starting at $2,500, based on the contract value. The fee can be covered by the homebuyer, the loan officer, or the real estate agent, or split between them.
Learn More
Dig deeper into how DTI Buster works and the stories behind it.
How to Qualify for More Before You Sell
Lorem ipsum dolor amit amet, consec tetur adipiscing elit amora
Read More
How Daniel Moved His Family Without Selling First
Lorem ipsum dolor amit amet, consec tetur adipiscing elit amora
Read More
Submitting a Scenario: A Step-by-Step Guide for LOs
Lorem ipsum dolor amit amet, consec tetur adipiscing elit amora
Read More1 “Approval" refers to program eligibility confirmation, not a mortgage loan approval. Consult a licensed loan officer for loan approval timelines.
2 Competitor fee ranges are typically 1%–4.5% of the existing home’s sale price. Actual fees vary by provider, home value, and transaction details. Please verify current pricing directly with each provider.
Footnote: Guaranteed Backup Contract is offered by Muir Residential Investments, LLC, dba
Home Sale Assured, an affiliate of Flyhomes Mortgage, LLC