Howtomoveonceinsteadoftwice.
If you need the equity from your current house to buy the next one, the timing can get tricky fast. My job is to help you make that move without ending up in limbo, carrying two houses longer than you want, or moving twice just to bridge the gap.
"What if we have to move twice?"
Everybody asks this. (Usually at 11pm, staring at the ceiling.) And it's a fair question. In a competitive market, sellers usually prefer clean offers, which means a home-sale contingency can make things harder.
The answer is usually not one trick. It's the right sequence. Sometimes that means bridge financing. Sometimes it means a rent-back. Sometimes it means selling first and structuring the dates carefully. The goal is simple: make you a stronger buyer without turning your life upside down.
Rent-Back
Sometimes the cleanest move is to sell your current house and stay in it a little longer after closing. That gives you access to your equity without forcing a rushed move on the same day you hand over the keys.
Bridge Financing
In some cases, bridge financing lets you access equity before your current home sells. That can put you in a much stronger position when the right house comes along, especially if you want to write an offer without a home-sale contingency.
Timing the Calendar
Sometimes the smartest move is in the timing. There are seasons when it makes more sense to sell first, and others when buying gets easier. If the calendar gives me an advantage, I use it. If it doesn't, I don't force it.
The Timing Problem
In a competitive market, sellers usually prefer offers without a home-sale contingency. Here are the main ways I strengthen your position:
- Bridge financing: Access equity before your current home sells.
- Rent-back: Sell first and stay a little longer.
- Mortgage recast: Lower the payment after your sale closes.
The Current Math: Twin Cities Region
Headlines are national and usually 60 days late. (Here's exactly what is happening in your backyard right now.)
Based on information from the Regional Multiple Listing Service of Minnesota, Inc. as most recently published. Chris Deutsch, Lakes Area Realty, MN license 20382264.
Based on information from the Regional Multiple Listing Service of Minnesota, Inc. as most recently published. Chris Deutsch, Lakes Area Realty, MN license 20382264.
Your Move Calendar
Every buy-sell move has a sequence: prep, list, offer, close, move. (The order matters more than anything else.) I'll map yours on a real calendar so you can see the pressure points before they become problems.
Send me a text and I'll map out the timeline for your specific situation. No two of these are the same.How can I buy a new house in the Twin Cities before selling my current one?
Sometimes the answer is bridge financing. Sometimes it's a home equity line. Sometimes it's a rent-back after closing on your current house. The right approach depends on your equity, your comfort level, and the kind of market you're buying into. The goal is to give you options so you can move once, not scramble through two moves just to make the timing work.
"We had a 75-pound golden retriever and a toddler. The idea of temporary housing was a non-starter. Chris got us into the new house a month before we had to list the old one. We moved once. We didn't murder each other."
Helpful Next Steps
Most buy-sell clients end up using at least one of these along the way.
QUIET PROOF
The Numbers Behind The Voice
Tools & Guides for Simultaneous Moves
No sales pitches here. Just some honest tools, real data, and practical guides to help you figure out the next steps.