Buy a New Home Without Selling Yours? Here’s How It Actually Works

Описание: Can you buy a new home before selling your current one?
In today’s competitive housing market, many buyers feel stuck—especially if their down payment is tied up in their existing home or they’re worried about qualifying with two mortgage payments.

In this video, I break down the real, lender-approved strategies that allow some buyers to move forward without selling first. We’ll talk about when this works, when it doesn’t, and why so many people incorrectly assume it’s impossible.

This isn’t theory. These are scenarios I help Minnesota buyers navigate every week.

In this video, we cover:

✔ How buyers qualify while carrying two homes
✔ Using rental income to offset your current mortgage
✔ Bridge loans and other ways to access equity
✔ Why loan program rules matter more than most people realize
✔ How buying without a home-sale contingency makes you far more competitive

If this is your situation, don’t make assumptions. The details matter—and a proper pre-approval is essential.

⏱ Timestamps (10 Chapters)

00:00 – Can you buy a new home without selling your current one?
00:34 – Why selling first rarely works in today’s market
01:15 – The two real problems buyers face (cash + qualifying)
02:07 – Scenario #1: Qualifying with two mortgage payments
02:55 – Scenario #2: Using equity without selling (bridge loans)
03:44 – How bridge loans actually work (and who they’re best for)
04:30 – Using a 401(k) loan or other short-term strategies
06:42 – Keeping your low rate and renting out your current home
07:29 – How 75% of rental income offsets your mortgage
09:53 – Why this makes your offer stronger (and what to do next)

📱 Contact Peter Lindquist
📞 651-491-5381
✉️ [email protected]

📝 Apply now: https://www.rate.com/LindquistTeam

Eligibility requirements, assistance type, and assistance amounts vary based on program. Talk to your loan officer about what options may be available, as well as the specific borrower, property, and loan type restrictions or requirements that may apply. Not all programs are available in all areas.

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Refinancing your mortgage may increase costs over the term of your loan. Restrictions may apply.

Operating as Guaranteed Rate, Inc. in New York.
Guaranteed Rate, Inc. D/B/A Rate; NMLS #2611; Rate.com; 3940 N Ravenswood, Chicago, IL 60613; 866-934-7283.
Equal Housing Lender. Conditions may apply.