Flyhomes Buy Before You Sell
Move With $0 Out of Pocket
Unlock equity to buy the next home. No upfront cash needed.
Get Started.avif)
.avif)
What Move with $0 Out of Pocket makes possible
Move with as little as $0 down
Move straight into your new home. No temporary housing, no storage units, no moving twice.
No Monthly Payments
Use home equity to fund a bigger down payment, or even buy with cash. Your equity doesn't have to wait until after you sell.
How it Works
Fast and easy. No loan process required.
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, the proceeds pay off the bridge loan, and homebuyers keep everything left over.
*Loans are subject to credit approval and underwriting. Terms, conditions, fees, and repayment terms vary. Speak with a loan officer for full details.
Real buyers, real wins
What it looks like in real life
Move fast with $0 down
New home: $1,600,000 | Old home: $1,300,000 | Bridge loan: $1,680,000
Challenge
Tracy’s family needed to move quickly to a better school district, but most of her wealth was tied up in her home and stocks. With limited cash on hand and a competing cash offer on the table, time was tight
Solution
By leveraging Flyhomes Buy Before You Sell, Tracy was able to move forward with as little as $0 down, using equity from both her current and new home at 105% LTV of the new purchase price. She closed fast, moved once, and paid off the bridge loan after selling her old home.
What it looks like in real life
Upgrade without liquidating savings
New home: $[X] | Old home: $[X] | Bridge loan: $[X]
Challenge
Client needed to move up to a larger home but couldn’t cover the down payment without tapping savings or selling investments.
Solution
Their loan officer used Cross Collateral to unlock equity from both homes, covering the full down payment and closing costs. They moved once and repaid the bridge loan with proceeds from the old home sale
Why Flyhomes Move $0 Out of Pocket stands apart
Flyhomes Move with $0 Out of Pocket
Up to 105% LTV* on the new home, using equity from both properties.
No monthly payments. Interest accrues until payoff after the old home sells.
Fees are based on loan amount — up to 80% lower than programs that charge on the full home value**.
Others
Most bridge loan programs cap at 80–90% LTV and do not cross-collateralize two properties
Traditional bridge loans often require monthly interest payments, adding cash flow pressure during the move.
Many bridge programs charge a fee based on the full purchase price, regardless of how much is borrowed.
Frequently asked questions
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam,
Who is this solution designed for?
It’s built for homebuyers who are equity-rich but cash-light, people who have significant value tied up in their current home but don’t want to sell first, wait for proceeds, or tap their savings.
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.
**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.
***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.
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
Lorem ipsum dolor amit amet, consec tetur adipiscing elit amora
Read More
Flyhomes 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).