Case highlights
Buy with 5% down without liquidating investments
Alex
Sacramento, CA
New home purchase price
$1,000,000
$1,000,000
Fair market value of departing residence
$900,000
$900,000
Existing home mortgage:
$400,000
$400,000
Liquidable stocks & 401K:
$600,000
$600,000
Challenge
Alex was expecting a new family member and needed to move quickly. Despite having a stable tech job and significant assets in stocks, he preferred not to liquidate them.
Solution
With our program, Alex leveraged his income, home equity, and stock portfolio for pre-approval, allowing him to purchase his new home with just a 5% down payment—without selling his investments.
Benefits for the borrower
Seamless transition - move in to the new home directly without double moves.
Financial flexibility - buy the new home with only 5% down without liquidating long-term investments.
Financial flexibility - buy the new home with only 5% down without liquidating long-term investments.
Benefits for the loan officer
Close more purchase mortgages – secure both the bridge loan and the long-term purchase mortgage.
Downsize without a mortgage
John & Mary
Phoenix, AZ
New home purchase price
$900,000
$900,000
Fair market value of departing residence
$1,500,000
$1,500,000
Equity:
$1,200,000
$1,200,000
Challenge
John & Mary, a senior couple, wanted to downsize for retirement using the equity from their current home to purchase a new one without taking on a mortgage. However, they didn’t want to sell their home first, as that would require multiple moves.
Solution
With our program, they leveraged their existing home’s equity to make a cash-equivalent offer on their new home before selling their current one, and used their available cash to cover a 5% down payment.
Benefits for the borrower
Hassle-free transition - move in to the new home directly without double moves.
Mortgage - free homeownership – use proceeds from the sale of the old home to fully pay off the bridge loan.
Mortgage - free homeownership – use proceeds from the sale of the old home to fully pay off the bridge loan.
Benefits for the loan officer
Close more deals – secure a deal they otherwise couldn’t get.
Buy Before You Sell with Instant Equity
Unlock home equity to secure the next home
Tom & Jess
Colorado
New home purchase price
$625,000
$625,000
Fair market value of departing residence
$550,000
$550,000
Guaranteed Backup Contract:
$429,000
$429,000
Existing home mortgage:
$270,000
$270,000
Max Instant Equity loan available:
$116,100
$116,100
Challenge
Tom and Jess needed funds as down payment for their new home, but their equity was tied up in their current home.
Solution
The Instant Equity Loan unlocked $116,100 in home equity, providing funds for the new home.
Benefits for the borrower
Move once – unlock their home equity early to buy the new home and directly move in before selling the old one.
Less stressful transition - no monthly payments due until the departing home is sold.
Less stressful transition - no monthly payments due until the departing home is sold.
Benefits for the loan officer
Secure two loans – secure both the home equity loan and purchase loan.
Buy Before You Sell with Guaranteed Backup Contract
Save the deal during closing
Anthony
Pennsylvania
New home purchase price
$850,000
$850,000
Departing home sale price
$640,000
$640,000
Challenge
Anthony’s departing residence was under contract. But when his buyer backed out, he could no longer exclude that departing residence debt, making him unqualified for the new mortgage.
Solution
Guaranteed Backup Contract provided a back-up offer on his departing home, helping to disregard his existing mortgage and lower his DTI from 57% to 38%.
Benefits for the borrower
Save the deal – secure financing for the new home purchase without delays.
Seamless transition - move once.
Seamless transition - move once.
Benefits for the loan officer
Closed the deal on time – resolve financing hurdles for a smooth closing.
Use Guaranteed Backup Contract to get pre-approved
Daniel
Florida
New home purchase price
$650,000
$650,000
Departing home sale price
$425,000
$425,000
Challenge
Daniel needed to move with his wheelchair-bound mother to a new home before selling their old home, but couldn’t qualify for a new mortgage while still carrying the existing one.
Solution
The Guaranteed Backup Contract enabled Daniel to exclude his departing home's debt, reducing his DTI from 59% to 42% and qualifying him for his new mortgage.
Benefits for the borrower
Seamless transition – move once without any hassle.
More time, less stress - have 180 days to prepare the old home for market.
More time, less stress - have 180 days to prepare the old home for market.
Benefits for the loan officer
Close more purchase mortgages – empower borrowers to buy their new home without having to sell first.
Flyhomes Cash Offer (buy side only)
Beat a $10K higher offer and win the dream home
Kayla & Nick
WA
New home purchase price
$730,000
$730,000
Departing home sale price
$36,500
$36,500
Max Flyhomes Cash Offer bridge loan amount:
$693,500
$693,500
Challenge
Kayla & Nick kept losing to cash buyers in a competitive market and needed a way to make their offer stand out.
Solution
Flyhomes Cash Offer transformed their offer into a fast-close, non-contingent, cash-equivalent offer, helping them win their dream home.
Benefits for the borrower
Stronger offer – win the home over a competing offer that was $10K higher.
Fast closing - close in less than two weeks.
Fast closing - close in less than two weeks.
Benefits for the loan officer
More deals – close both the bridge loan and refinance transaction.