HOW TO BUY AND SELL........SEAMLESSLY!!

January 23, 2025

Looking to Buy & Sell?: Know Your Options! 

Let’s be real—simultaneously buying and selling a home can feel overwhelming. Where do you even start... with the buy, or the sell? That's where we come in! While we never claim to have all the answers, we will work together to ask the right questions and tap into the best connections to uncover the ideal path to your new home!

Here are 10 options to consider when it’s time to upsize, downsize, or rightsize:

  1. Bridge Loans: Use your current home’s equity for a down payment on your next home. It is short-term but worth exploring if the timing is tight.
  2. HELOC: Tap into your home’s equity with a Home Equity Line of Credit before listing. 
  3. Sales Contingency: List your home with a contingency that gives you time to find your next one. (Some buyers are willing to wait.)
  4. Retirement Funds: Borrow or withdraw from your 401(k) or IRA (with tax advice from your accountant!) to bridge the gap.
  5. Gifts & Co-Signers: Tap into financial help from family, friends, or employers to make your move.
  6. Rent Your Current Home: Convert your home into a rental, capitalize on rental income, and move forward with your purchase.
  7. Strategic Deadlines: Negotiate a longer closing to buy yourself time to find your next home.
  8. Post-Closing Occupancy Agreement (aka "Seller Rent Back"): Stay in your current home after closing while looking for your next one. Buyers often agree to this!
  9. Third-Party “Home Swap”: Use a service to buy your next home without contingencies and sell after moving - yes, like the ones that advertise on TV.
  10. Move Twice: Not ideal, but a short-term rental situation can give you breathing room to find the perfect next home—and even test out a new neighborhood!

The real question isn’t if we can make your move happen, but how. Let’s work together to create a personalized plan that checks all your boxes. Ready to brainstorm? Reach out—we’re here to help!

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Live.Laugh.Illinois. Real Estate Group

(314) 221-1608
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1207 Thouvenot Ln
Shiloh IL 62269