Buy Your Dream Home Before Selling Your Current One
Our Buy Before You Sell program lets you purchase a new home without waiting for your old one to sell—giving you the freedom to move on your timeline.
THE BEST OPTION FOR YOU
Why Buy Before You Sell?
No Double Moves
Move once, on your own schedule. Skip the hassle of temporary housing or rushed transitions.
No Double Payments
Avoid the burden of two mortgages. You may qualify to make just one payment for up to three months.
Sell for Top Dollar
Take your time to stage and sell your old home at the best price—without pressure.
Own Your New Home
With Hurst Lending, you own your new home - unlike competitors who buy and rent your new home to you.
BUY BEFORE YOU SELL
Why Buy Before You Sell Changes Everything
We created our Buy Before You Sell short-term loan program to help homebuyers confidently purchase their next home—before selling their current one.
With our funds, you can secure your dream home on your timeline, skip the stress of rushed sales, and avoid losing out in today’s competitive market. You own your new home from day one—not rent it like with other programs—and you can move in right away.
We don’t count your existing mortgage payment against you for qualification, and we offer well-qualified borrowers the option to avoid double payments.
Once your current home sells, you can either repay the short-term loan or refinance into a long-term conventional mortgage with us. Should you choose to refinance into a long-term loan with us, we take pride in keeping your overall costs low on your refinance.
Our Buy Before You Sell loan is part of our full range of Dominate Loans — short-term financing options designed to give buyers an edge in competitive markets.
Watch now in the video below, how Buy Before You Sell can make your move easier, faster, and far less stressful.
Key Benefits
- Flexibility – Move on your timeline and avoid home sale contingencies
- Control – Own your next home, not rent it.
- Simplicity – Qualify without your old mortgage counted against you
Ready to Buy Before You Sell?
Get pre-approved today and start your seamless home transition with expert support and proven results.
HOW IT WORKS
How Our Buy Before You Sell Process Works
1. Find Your Next Home
Start shopping with confidence—knowing you have funds ready and the freedom to make a strong offer.
2. Make a Winning Offer
Use our funds to buy before your old home sells.
3. Move on Your Schedule
Close on your new home, move in on your terms, and sell your old home at your own pace.
Ready to Buy Before
You Sell?
Skip the stress, win your next home, and move on your terms. Get started today with our proven Buy Before You Sell loan program.
WHY CHOOSE HURST LENDING
A Trusted Lender Who Understands Your Needs
At Hurst Lending, we aren’t just experts in lending; we are specialists in accelerating your home purchase. Our founders and team members bring over three decades of industry-specific experience that directly benefits each client we serve.
National Expertise
We work with buyers across the U.S.
Proven Track Record
Trusted by thousands of homeowners
Personalized Service
Real people helping real clients every step of the way
MAKE THE RIGHT CHOICE
How Our Program Stacks Up Against Traditional
Home Buying & Selling
Feature
- Buy First, Sell Later
- No Sale Contingency Required
- Move on Your Schedule
- Stress-Free Process
Buy Before You Sell (Hurst)
- Yes
- Yes
- Yes
- Yes
Traditional
Selling
- No
- No
- No
- No
WHO WE ARE IN THE MARKET
Compare Our Program to Other Lenders
*Click the table to zoom
Features
- Own or Rent New Home?
- Cost
- Option for No Monthly Payment**
- Number of States Available
- Own
- 1%*
- Yes
- 12 (ex. FL)
- Rent
- 1.9%
- No
- 7
Competitors
- Rent
- TBD
- No
- 6
*For loans originated directly by Hurst Lending (without a mortgage broker).
**Option to not make payment on new home for up to 3 months.
TESTIMONIALS
Our Clients Say It Best
Frequently Asked Questions
How do I get started?
Click “Get Pre-Approved” or “See If You Qualify” and fill out the short form. Our loan team will follow up quickly to walk you through the next steps.
What if I can't qualify for the old house payment and mortgage on the new house?
No problem. Our program is designed so your existing mortgage payment doesn’t count against you for qualification purposes—making it easier to get approved.
Once I am approved, how do I make a cash offer for my new home?
We’ll issue a Proof of Funds letter showing you’ve been fully underwritten for a line of credit. Your agent can include this with your offer to demonstrate that funds are ready and available.
Can you explain the Proof of Funds letter?
Yes. This letter confirms you’ve been fully underwritten for a short-term line of credit—similar to a commercial credit line from a bank. These funds are 100% reserved for you and will be released once you have an executed contract, appraisal, and clear title.
From the seller’s point of view, is there anything negative about this transaction?
Not at all. In fact, it’s a win. You can close without having to make the closing contingent on the sale of your old home.
How long does it take to close this kind of transaction?
We can typically close in as little as 30 days, depending on the property and appraisal timeline. Our short-term loan process is fast and efficient.
When can I move into my new home?
Immediately after closing—because you own the home. Unlike other programs from our competitors, there’s no renting involved.
When can I refinance out of the short-term loan?
You can refinance once your old home sells. Should you choose to refinance into a long-term loan with us, we take pride in keeping your overall costs low.
What is the cost of using the Buy Before You Sell program?
We charge a 1% to 1.5% origination fee on the short-term loan originated directly but Hurst Lending (e.g. when a third-party mortgage broker is not used by a customer).
Am I required to use Hurst Lending for the refinance?
No, it’s not required. But many clients do because we offer competitive rates and we take pride in keeping your overall costs low when you refinance with us.
Own Your Next Home Without the Stress
Take control of your move, skip the contingencies, and win in today’s market with our Buy Before You Sell program.
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Learn more about Buy Before you Sell Loans
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