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How To Buy A House Before Selling Yours: The Structure Behind A Non-Contingent Offer
If you want to buy a house before selling yours, the problem is almost never desire. It is cash and timing. Friends of mine closed on their new home today in Flagstaff, Arizona. Their old home — a mountain-town property in Summit County, Colorado — went on the market in April. No offer, no contract,…
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Buy Before You Sell: Jumbo Loan Rules When Your House Is Listed but Not Under Contract
You found the next house before your current one sold. It is listed. Showings are happening. But there is no signed contract yet. Now the lender wants to count both house payments against you — and on a jumbo loan, that second payment can sink the whole approval. That is the real question behind a…
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Buy Before You Sell: Using a HELOC for the Down Payment on Your Next Home
Last updated: October 12, 2026 The Buyer’s Dilemma You found the next home. You want to move on it now. But most of your money is locked up in the home you already own. As of Q4 2026 (October 2026) (PRMG Lightning Equity Hybrid HELOC Product Profile, 10/08/2026; Lightning Equity Expanded Guidelines, rev. 5/28/2026): minimum…
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An Unplanned Jumbo Purchase, a Recast Strategy, and a CTC
A family in Colorado Springs wasn’t planning to move. Then the right home came up at the right price. They had a lot of equity locked in their current house — but no buyer yet, no sale under contract, and no plan. Most people in that spot either wait or write a contingent offer. Both…
