I found the next home—but haven’t sold this one.
The challenge is often the sequence: when cash becomes available, when each closing happens and how long you may carry two homes. A clear timeline comes before choosing financing.
What we’ll work through.
- Do you need sale proceeds for the down payment or closing costs?
- How much payment overlap could your budget and reserves handle?
- What happens if the current home sells later or for less than expected?
Useful for our first conversation
- Estimated purchase price and the cash already available.
- Estimated current-home value, payoff and monthly payment.
- Your likely sale timeline and the amount of overlap you want to stress-test.
No documents, Social Security numbers or account details in the website inquiry. Aaron will confirm any secure follow-up requirements.
Questions you may have
Does this mean I can buy without selling first?
Not necessarily. Aaron needs to review qualification, cash, equity, reserves and the structure of both transactions.
Can we model a delayed sale?
Yes. Use the calculator to explore different assumptions, then ask Aaron to review the scenario. The illustration is not a financing approval.
Aaron Clowes
Air Force veteran. More than two decades in mortgage lending. Clear explanations, practical comparisons and a conversation about what works for you.
NMLS #200900 · CA DRE #02103379
New Way Mortgage is powered by Xpert Home Lending, Inc. · NMLS #2179191 · Equal Housing Lender.
Reviews are hosted by Zillow. Visit the source for review dates and details; past experiences do not guarantee your outcome.
What happens after you reach out?
- Aaron reviews your goals and the information you share.
- You confirm details and compare available paths, costs and tradeoffs.
- You decide whether to apply through the secure Xpert application.
No approval, rate or response-time guarantee. An inquiry does not authorize a credit pull.