Flyhomes Buy Before You Sell
Retire & Downsize
Buy the next home first, move just once, and retire with greater financial freedom.
Get Started
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, buyers can use the proceeds to pay off the bridge loan.
Real buyers, real wins
See how Retire & Downsize helped homebuyers make a clean transition into the next chapter.
What it looks like in real life
Downsizing to a 55+ community — on the builder’s timeline
Challenge
Susan and Mark found their ideal home in a 55+ new-construction community but couldn’t access their equity fast enough to meet the builder’s quick-closing deadline.
Solution
Their loan officer introduced a Flyhomes bridge loan, allowing them to close in just 10 days using their existing equity. Once their old home sold, they paid off the bridge loan and moved in completely mortgage-free. The LO won a client they otherwise couldn’t have served — and that agent later sent three more referrals
What it looks like in real life
Relocating across state lines
Challenge
David and Maria wanted to relocate from Washington to Florida but couldn’t access their home equity in time to secure the next home.
Solution
Their loan officer used a Flyhomes bridge loan to tap that equity, letting them purchase the Florida home first. After their Washington property sold, they paid off the bridge loan and moved in completely mortgage-free. The agent on the deal later referred two more clients.
What people are saying
Each one starts with a homebuyer who needed a better way to move.
“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 Retire & Downsize stands apart
Fees based on loan amount, not the full home value.
Up to 80% lower cost than alternatives*
No monthly payments.
Interest accrues to payoff.
Designed for buyers who are downsizing or are from 55+ communities,
especially those who do not qualify for conventional financing.
Pay only for what you use
Pricing based on loan amount, not home price. Sometimes up to 70% lower cost
Others
Fees tied to sale price
Many bridge products charge fees tied to the home’s sale price, regardless of loan size.
Monthly interest payments
Most bridge loans require monthly interest payments while waiting for the old home to sell.
Conventional lenders often can’t qualify retirees or equity-rich, income-light buyers.
Pay full program fees regardless
Program fees tied to home value, even if only a small amount is used
*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.
Available across the country
Retire & Downsize is currently available in 40+ states and growing, so it works for most moves, whether homebuyers are downsizing locally or relocating across state lines.
FAQ's
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Who is this solution designed for?
Retire & Downsize is built for homeowners who fall outside conventional lending requirements, such as retirees with limited income but strong equity.
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?
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.
Learn More
Resources to help loan officers, agents, and homebuyers understand how Retire & Downsize works.
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).