Buy Before You Sell
Buy Before You Sell and Move on Your Timeline
Our Buy Before You Sell program lets you secure your next home before selling your current one — with less stress, no rent-back, and an option to skip double payments.
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Why Buy Before You Sell Changes Everything
Selling and buying at the same time can be stressful — juggling showings, offers, and moving dates. Our program solves that.
With Ribbon, you can:
Buy first, sell later
Avoid a home sale contingency and secure your new home without waiting.
Own from day one
Move straight into your new home with no renting in between.
Qualify more easily
Your old mortgage payment isn’t counted against you.
Skip double payments
Well-qualified borrowers can avoid overlapping payments for up to three months.
Once your current home sells, simply repay the short-term loan or refinance into a long-term mortgage.
Buy Before You Sell Explained
How Does Buy Before You Sell Work?
Find Your Next Home
Shop with confidence knowing funds are ready.
Make a Winning Offer
Make a strong, non-contingent offer that sellers can’t ignore.
Move on Your Schedule
Close, move in, and then sell your old home for top dollar — no rush.
PROGRAM BENEFITS
Key Benefits of the Ribbon Buy Before You Sell Program
- No Double Moves – Skip temporary housing and move once, on your schedule.
- No Double Payments – Option to make no payments for up to 3 months.
- Sell for Top Dollar – Stage and market your home without time pressure.
A TRUSTED LENDER
Why Choose Ribbon’s Buy Before You Sell Program?
- National Expertise – Serving buyers across many States
- Proven Track Record – Trusted by thousands of homeowners.
- Personalized Service – Real people guiding you every step.
Our Clients Say It Best
Frequently asked questions, answered
How do I begin the process?
Simply click Get Started and complete our short online form. One of our lending specialists will reach out quickly to explain your options and guide you through each step.
What if I can’t qualify for both mortgages at the same time?
That’s exactly what our program solves. We structure your application so the mortgage on your current home isn’t counted against your borrowing capacity for the new property.
How do I make a strong offer once I’m approved?
After approval, we’ll provide a Proof of Funds letter that shows you’ve been fully underwritten for a short-term credit facility. Your real estate agent can include this letter with your offer to show sellers that you have access to funds.
What is a Proof of Funds letter?
It’s an official document confirming that you have a dedicated, fully approved line of credit reserved for your purchase. Once you have an accepted offer, appraisal, and clear title, those funds are ready to be released.
Does this count as a cash offer?
Yes. From the seller’s perspective, it’s just like receiving cash. There’s no financing contingency, which makes your offer far more competitive in a busy housing market.
Would a seller see any drawbacks to this type of offer?
No. In fact, sellers appreciate the speed and certainty—no risk of the deal falling through because of debt-to-income ratios, employment history, or other common mortgage hurdles.
How quickly can we close?
Our streamlined process generally allows closings in 15 to 30 days, depending on loan program, appraisal and title.
When do I get the keys?
You can move in right after closing. There’s no temporary rental arrangement involved.
When can I refinance the short-term loan?
You can refinance as soon as your current home sells with no pre-payment penalty.
What does the program cost?
We charge a 1% to 1.5% origination fee plus lender fees (e.g., appraisal, credit, underwriting, etc.) for short-term loans originated directly through Ribbon by Hurst Lending.
Do you offer other types of short-term loans?
Yes. In addition to our core home financing solutions, we also offer short-term options such as bridge loans and cash offer programs. These solutions are designed to help buyers move quickly, compete with all-cash offers, or purchase a new home before selling their current one.
To learn more, visit our bridge loan financing page
Ready to Buy Before You Sell?
Skip the stress. Secure your next home. Move on your terms.
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