Help clients buy before they sell – BBYS for Loan Officers | Flyhomes
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Buy Before You Sell

Empower your borrowers to reduce DTI, unlock downpayment, and buy with cash-like offers.

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Buy Before You Sell

Why it matters to your borrowers

Move once, stress less
Empower your borrowers to buy their next home before selling the departing residence, avoiding multiple moves.
Reduce the DTI ratio
We place a backup offer on the departing residence, so your underwriter can exclude its trailing debt from your borrower’s DTI ratio, helping them qualify for 40-50%* more.
Unlock home equity
Allow your borrowers to get access to the equity in their departing residence before selling it, unlocking additional funds for their next home.
Make a winning offer
  • With our back up offer, your borrowers can remove home sale contingency, making their offers stronger.
  • With our unique purchase money bridge loan, your borrowers are even empowered to make a non-contingent, cash-equivalent offer in a competitive market.
Up to 105% LTV
Allow borrowers to leverage the equity in both their current and new homes—potentially moving with no cash out of pocket.
Why it matters to loan officers

Why it matters to loan officers

1
Close more purchase mortgagesEmpower your borrowers to secure their dream home with our exclusive products, making you their go-to lender for both bridge and purchase loans.
2
Earn additional broker feeCharge a broker fee by originating and brokering our loan products.
3
Strengthen borrower relationshipsMaintain full control of your borrower relationships without referring your borrowers to others.
4
Attract more referral partnersStand out to partner agents and builders by helping them remove home sale contingencies and submit cash-equivalent offers.
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Buy Before You Sell with Flyhomes Cash Offer

A purchase bridge loan that can turn your borrower’s offer into a non-contingent, cash-equivalent offer.

Why it matters

Make a cash-equivalent offer
Make your borrowers’ offer as strong as cash and close in as little as 10 days. Thousands of buyers have won in competitive negotiations with it.
Up to 95% LTV
Enable your borrowers to buy with as little as 5% down payment while leveraging their home equity, 401(k), or stock investments—without selling upfront.
No monthly payments due
Interest accrues and is due at payoff when the departing residence is sold.

How it works

Timeline

Timeline is illustrative; actual timing may vary.

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Buy Before You Sell with Instant Equity

A home equity loan that allows your borrowers to access their departing home’s equity before selling.

Why it matters

Unlock equity early
Allow your borrowers to tap into the equity in their departing residence before selling it, unlocking additional funds for their next home.
Flexibility with the departing residence
It can be listed, contingent, or not yet on the market.
No monthly payments due
Interest accrues and is due at payoff when the departing residence is sold.

How it works

Timeline

Timeline is illustrative; actual timing may vary.

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Buy Before You Sell with Guaranteed Backup Contract

A backup purchase contract on the departing residence, allowing lenders to exclude the existing mortgage from the borrower’s DTI calculation.

Why it matters

Reduce the DTI ratio
We place a backup offer on the departing residence, so your underwriter can exclude its trailing debt from your borrower’s DTI ratio, helping them qualify for 40-50%* more.
Remove home sale contingency
Make your borrower’s offer stronger and more competitive.
Sell at full market value
Give your borrower peace of mind with a guaranteed backup sale - no need to settle for a discount.

How it works

Timeline

Timeline is illustrative; actual timing may vary.

Request a Guaranteed Backup Contract

Flyhomes Cash Offer (buy side only)

A purchase bridge loan that can turn your borrower’s offer into a non-contingent, cash-equivalent offer.

Why it matters

Make your borrower’s offer as strong as cash
Provide greater certainty to sellers than a traditional mortgage offer.
Win in negotiation
Stand out in competitive situations and, in some cases, even beat other offers without being the highest bidder.
Close in as little as 10 days
Make your borrower’s offer more appealing to sellers with a fast closing timeline.

How it works

Timeline

Timeline is illustrative; actual timing may vary.

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Get resources for Flyhomes products

Get resources for Flyhomes products

Access everything you need: marketing flyers, product decks, Buy Before You Sell Calculator, and more.

View Resource Hub for loan officers

Ready to get started?

Get a quote

Submit your loan scenario for a customized quote

Submit a scenario

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Start using Flyhomes programs

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Request a Guaranteed Backup Contract

Fill out the form and we will draft your Guaranteed Backup Contract.

Request a Guaranteed Backup Contract

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Connect with Flyhomes

A conflict-free wholesale partnership for loan officers

Partner with us and get full support

No in-house loan officers or long-term loans
Brokering the bridge loan means you stay in full control and can even collect compensation.
No prepayment or early payoff penalties
Very flexible programs。
Marketing support
Get customizable resources to market Flyhomes products and grow your business.

30,000+

In-network loan officers

$2.2B

Total volume of funded loans

6,800+

Homebuyers and sellers empowered**

$6.7B+

Total real estate transaction volume**

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*Estimate based on a common scenario: Buyer’s income is approximately 3x their monthly mortgage payment.

**Brokerage activities completed by Flyhomes, Inc. since 2016 and do not reflect mortgage loan transactions. Flyhomes Mortgage, LLC is a wholly-owned subsidiary of Flyhomes, Inc.

All Flyhomes Mortgage products are subject to qualification and approval. Terms, interest rates, and conditions may vary based on individual circumstances. Please contact us for more details and to determine eligibility.

Flyhomes Cash Offer requires refinancing the purchase bridge loan into a long-term mortgage. Loan terms, interest rates, and approval are subject to lender qualification. Borrowers should evaluate financial implications before proceeding.