Buy Before You Sell Costs Explained (And What You Get in Return)
August 27, 2026
Co-Founder | Alternative Lending Specialist | Residential Bridge Loan Expert
Helping homebuyers, homeowners, real estate investors, and real estate professionals navigate complex financing situations since 2000. As Head of Partnerships and Business Development at Ribbon by Hurst Lending, Jay works closely with borrowers and industry partners to create practical financing solutions that move more transactions forward.
With more than two decades of mortgage lending experience, Jay specializes in alternative financing solutions that help borrowers move forward when traditional lending isn’t the right fit.
Jay Hurst is the Co-Founder of Hurst Lending and has been helping borrowers navigate residential financing since 2000.
A graduate of Texas A&M University with a degree in Finance, Jay has spent more than two decades developing lending solutions for borrowers whose situations extend beyond conventional mortgage guidelines.
Throughout his career, Jay has worked with thousands of homebuyers, homeowners, real estate investors, and real estate professionals, helping them overcome financing challenges involving timing, qualification, home equity, and competitive housing markets.
His areas of expertise include Buy Before You Sell programs, residential bridge loans, Cash Offer financing, jumbo mortgages, home equity solutions, and other alternative lending strategies designed to provide greater flexibility than many traditional mortgage products.
As Co-Founder of Hurst Lending, Jay continues to help develop innovative financing programs that give borrowers stronger purchasing power, greater flexibility, and more confidence throughout the home buying process.
Jay earned his Finance degree from Texas A&M University before beginning his career in residential mortgage lending.
Over the past 20+ years, he has worked with borrowers across a wide range of financial situations, from first-time buyers and growing families to retirees, self-employed professionals, business owners, and real estate investors.
Throughout his career, Jay noticed that many financially responsible borrowers struggled to qualify under traditional mortgage guidelines, despite having strong overall financial profiles.
Rather than relying solely on standard lending formulas, he has focused on developing financing solutions that consider a borrower’s complete financial picture and help solve real-world home buying challenges.
This experience ultimately led to the creation and continued growth of Hurst Lending and its portfolio of alternative lending solutions designed to help borrowers purchase with greater confidence.
“We are problem solvers and mortgage planners, not simply paint by the numbers one mortgage fit all. We will listen and put together the package that best fits your particular situation”
Every borrower has a different financial story.
Traditional mortgage guidelines work well for many buyers, but they don’t always reflect the full financial picture.
Jay believes financing should focus on helping qualified borrowers achieve their goals through practical lending solutions that match their circumstances.
Whether someone is buying before selling, competing against cash buyers, purchasing a higher-value property, accessing home equity, or navigating non-traditional income, Jay’s approach centers on understanding the complete situation rather than relying solely on conventional lending formulas.
His goal has always been simple: help borrowers move forward with confidence by providing financing solutions designed for real-life situations.
Helping homeowners purchase their next home before selling their current property.
Providing short-term financing solutions that help borrowers bridge timing or qualification gaps.
Helping buyers compete more effectively in competitive housing markets with financing designed to strengthen purchase offers.
Helping homeowners explore alternative ways to access equity without traditional monthly loan payments.
Developing lending strategies for borrowers whose situations extend beyond conventional lending guidelines.
Helping homeowners access available equity while preserving their existing mortgage when appropriate.
Began career in residential mortgage lending.
Graduated with a Bachelor's Degree in Finance.
Co-founded Hurst Lending to provide innovative residential financing solutions for borrowers facing challenges with traditional lending.
Helping borrowers navigate residential financing through changing markets and lending environments.
Continues leading Hurst Lending while contributing educational content covering residential lending, bridge financing, home equity solutions, and alternative mortgage strategies.
Jay regularly contributes educational content designed to help borrowers make informed financing decisions.
His work focuses on explaining complex lending topics in a clear, practical way, helping homebuyers understand the financing options available when traditional lending may not be the best solution.
Jay regularly contributes educational articles covering topics including:
Helping homeowners understand how they can purchase their next home before selling their current property.
Explaining how bridge financing can help homeowners access funds from their current property to purchase their next home.
Helping buyers understand financing options that can strengthen their offer by providing the advantages of a cash-like purchase.
Providing expert guidance and tailored financing solutions for higher-value homes that exceed conventional loan limits.
Helping homeowners understand HELOCs, Home Equity Investments, and other ways to access available equity.
Educational content focused on borrowers whose circumstances don't always align with conventional lending guidelines.
Jay has been helping borrowers navigate residential financing since 2000 and has more than two decades of lending experience.
Jay has worked with homebuyers, homeowners, retirees, real estate investors, self-employed borrowers, business owners, and real estate professionals seeking both traditional and alternative financing solutions.
His expertise includes Buy Before You Sell financing, residential bridge loans, Cash Offer financing, jumbo mortgages, home equity solutions, and alternative lending strategies.
Yes. Jay regularly contributes to and reviews educational resources covering residential financing, helping borrowers better understand their available options.
Yes. Jay continues to be involved directly with borrowers helping direct and educate borrowers to what the best product for their particular situation.
Helping Borrowers Move Forward Since 2000
Stay connected with Jay and follow his latest mortgage insights.
