Flyhomes Buy Before You Sell
Equity For Down Payment
Unlock home equity, fund the down payment, and move directly into your next home.
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What Equity For Down Payment Makes Possible
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Unlock equity for a bigger down payment
Access home equity before selling, giving homebuyers the down payment funds they need to move forward now, not later.
Use your equity more flexibly
Put your equity to work beyond the down payment: cover part or all of your agent commission, closing costs, or cosmetic updates. Move with less cash out of pocket and a smoother transition.
No monthly payments during the move
Bridge loan interest accrues to payoff, not monthly, so homebuyers can focus on moving in, not managing multiple payments at once.
How it works
01
Get approved
Submit the current home for program approval.
02
Buy the new home
Purchase the new home without a home sale contingency. No need to time the old sale perfectly.
03
Move in directly
Move from the old home straight into the new one. No temporary housing, no storage units, no second move.
04
Sell the old home and pay off the loan
List the old home vacant and ready. When it sells, buyers can use the proceeds to pay off the bridge loan.
Real buyers, real wins
See how Equity for Down Payment helped homebuyers access funds they couldn't get any other way.
What it looks like in real life
Equity stuck in the old home
New home: $625K | Departing home: $550K
Challenge
Tom and Jess needed funds for a down payment on their new home, but their equity was tied up in their current property and unavailable until after the sale.
Solution
Flyhomes bridge loan unlocked $101,250 in equity from their departing home before it sold. They used those funds to close on the new home first, moved once, and repaid the bridge loan when their old home closed.
What it looks like in real life
Eliminate the old mortgage, buy without the stress
New home: $647K | Departing home: $435K
Challenge
A young family upgrading to a larger home couldn't carry two mortgages at once — especially with a newborn. They needed a way to buy first without that financial pressure.
Solution
Solution: Flyhomes unlocked $293,625 in bridge financing, which they used for the down payment and to pay off the mortgage on their departing home, permanently eliminating that monthly payment. Once their old home sold, the bridge loan was paid off from the proceeds. They moved once and never looked back.
What it looks like in real life
+30% Buying Power.A Better Home for Mom. No Double Moves.
With Loan Officer Alex Chen
& Agent Maria Lopez
Challenge
Daniel needed a more accessible home for his mother, who was recovering from surgery—but couldn’t qualify while carrying his current mortgage.
Solution
Flyhomes removed that debt from his DTI, increasing his buying power by nearly 30%. He bought first, moved once, and gave his mother a smoother recovery at home.
What it looks like in real life
+30% Buying Power.A Better Home for Mom. No Double Moves.
With Loan Officer Alex Chen
& Agent Maria Lopez
Challenge
Daniel needed a more accessible home for his mother, who was recovering from surgery—but couldn’t qualify while carrying his current mortgage.
Solution
Flyhomes removed that debt from his DTI, increasing his buying power by nearly 30%. He bought first, moved once, and gave his mother a smoother recovery at home.
What people are saying
Real homebuyers, loan officers, and agents share their experience.
“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 Equity for Down Payment stands apart
Fees based on loan amount, not total home value.
For a home priced at $1 million, our fee with a $100,000 loan is approximately $4,000.
Close in as little as 14 days.
No income, asset, or employment docs needed.
No monthly payments.
Interest accrues to payoff so homebuyers aren't managing multiple payments during the move.
Works whether the departing home is listed, under contract, or not yet on the market.
Others
Similar programs often charge 2-2.5% of the full home value.
For a home priced at $1 million, other program fees could be around $25,000.
Traditional home equity loans require full underwriting
and can take 4–6 weeks
Most home equity loans require monthly payments from day one,
adding financial pressure during the transition.
Many programs require the home to already be listed or under contract
before funds can be accessed.
1 Competitor fee ranges are typically 2%–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.
*Equity for Down Payment (Instant Equity) is a bridge loan product and is subject to state lending regulations. Not available in all states. State availability subject to change. Consult your Flyhomes Account Executive or the compliance team for the most current state list and eligibility requirements.
FAQ's
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Who is this solution designed for?
Equity for Down Payment is best suited for homebuyers who have significant equity in their current home but need those funds to purchase their next one before selling the current one.
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 does it cost?
Flyhomes bridge loan fees are based on the loan amount, not the full home value — which can mean up to 80% lower costs than alternatives.
For example, on a $100K bridge loan for a $1M home, the Flyhomes fee is approximately $4,000, compared to around $25,000 with programs that charge based on home value.
*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.
**This is based on Flyhomes market research comparing the total cost of a Flyhomes bridge loan (based on loan amount) versus traditional bridge loans or alternative financing methods (which often base fees on full home value or sale price) in select markets. Actual savings will vary based on home value, loan amount, and location.
Learn More
Dig deeper into how DTI Buster works and the stories behind it.
How to use your home equity to buy your next home before selling
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Read More
How a Colorado family funded their move without touching their savings
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Read More
3-minute explainer — Equity for Down Payment for homebuyers
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Read More1Flyhomes Mortgage, LLC | NMLS #1733272
For full licensing information, visit NMLS Consumer Access.
Loans are subject to credit approval and underwriting. Terms and conditions apply. Interest rates, fees, and repayment terms vary. Speak with a loan officer for full details.
Flyhomes Mortgage, LLC is an Equal Housing Lender. We do not discriminate based on race, color, religion, national origin, sex, disability, or familial status (per the Fair Housing Act).
*Equity for Down Payment (Instant Equity) is a bridge loan product and is subject to state lending regulations. Not available in all states. State availability subject to change. Consult your Flyhomes Account Executive or the compliance team for the most current state list and eligibility requirements.