Buy before you sell loan
Best for homeowners looking for a new home before selling their current one
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Ca Perry
Bridge loans allow you to buy a new home before selling your current one, avoiding the need to secure temporary housing, move twice, or worry about timing the home sale.
Benefits
- Bridge financing to cover down payment before your current home sells
- Combine the Buy Before You Sell (BBYS) program with bridge financing to access the equity in your current home.
- Avoid making contingent offers, increasing your buying power
- Quick access to funds to secure your new home When combined with bridge financing.
- Flexible repayment options once your old home sells
- Simplified approval process
- No need to rush the sale of your current home
- Secure long term low rate financing on the new home before selling your current home.
Eligibility requirements
- Sufficient equity in your current home
- Minimum credit score, typically 620+
- Plan to sell your current home within 6-12 months
- Property must meet lender standards
- Adequate cash reserves may be required
- Meet lender-specific requirements
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team@mymortgageally.comOther loans
Home Advantage 3
Best for first-time homebuyers and repeat homebuyers.
- Down payment as low as 3%
- No mortgage insurance ever
- Below market interest rates
Profit And Loss Only Loan
For business owners who prefer to use profit and loss statements instead of tax returns.
- Business-focused
- Simplified documentation
- Faster qualification
Investor Loan
Best for real estate investors seeking financing for rental properties
- Flexible qualification requirements
- Up to 80% of the property value
- Primary residence not required
NON-QM Loan
Ideal for those with unique income situations that don't fit traditional lending.
- Flexible documentation
- Credit flexibility
- Tailored solutions
Fixed Seconds
A second mortgage with a fixed rate, great for accessing equity without refinancing.
- Fixed interest rate
- Access equity
- Flexible use
HELOC
A Home Equity Line of Credit gives you flexible access to funds using your home equity.
- Access equity as needed
- Flexible repayment
- Great for renovations
Debt Service Coverage Ratio (DSCR) Investor
For property investors looking to qualify based on rental income.
- Rental income focused
- No personal income verification
- Investment-focused
Asset Utilization
Use your assets to qualify, rather than income.
- Leverage your assets
- No income required
- Flexible terms
W-2 Only
For borrowers using only W-2 income to qualify.
- Simple documentation
- Streamlined approval
- Competitive rates
No Income, No Employment
A flexible option for investors who don't want to verify income or employment.
- Easy qualification
- Investment-friendly
- Quick approvals
Bank Statement
For self-employed individuals who can qualify using bank deposits instead of traditional income verification.
- No tax returns needed
- Flexible requirements
- Competitive terms
Bridge Loan
Buy a new home before your old one sells with this temporary financing.
- Access cash quickly
- Move before selling
- Short-term support
Jumbo Loan
For high-value properties needing larger loans that exceed conforming limits.
- Higher loan limits
- Competitive rates
- Flexible repayment options
VA Loan
Exclusive to veterans, active military members, and their families, providing unbeatable benefits.
- Flexible terms
- Low interest rates
- No surprises
Conventional Loan
A solid option for most homebuyers who have a good credit score and a stable down payment.
- Flexible terms
- Low interest rates
- No surprises
FHA Loan
Perfect for first-time buyers or those with limited down payment savings.
- Low down payments
- Easier qualification
- Competitive rates
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