The Move-up Method
Trading up without a gap in financing - or a gap in housing.
For: clients selling a current home to buy a larger or better-positioned one, usually with both transactions in motion at once.
For: clients selling a current home to buy a larger or better-positioned one, usually with both transactions in motion at once.
1 · ASSESS - Equity & Readiness Review
Establish the client's true equity position and what the trade actually affords, and confirm financing supports it - before anything goes on the market.
RISK MANAGED Overextending on the new purchase.
2 · POSITION - Sequencing Strategy
Decide sell-first, buy-first, or a bridge/contingent structure based on current inventory and rate conditions, not a default assumption.
RISK MANAGED Double-carrying two mortgages, or being priced out mid-search.
3 · PROTECT - Financing & Contingency Structure
Pre-position financing - underwriting, HELOC or bridge options - and structure contingencies before an offer is ever written.
RISK MANAGED Financing falling through mid-contract.
4 · EXECUTE - Competitive Offer Strategy
Escalation clauses, appraisal-gap coverage, and terms calibrated to the specific listing - not a generic offer template.
RISK MANAGED Losing the home, or winning it at an unsupportable price.
5 · TRANSITION - Coordinated Close & Move
Align sale and purchase closing dates, and coordinate movers and vendors so one transaction doesn't strand the other.
RISK MANAGED A housing gap, or a rushed and costly move.
Establish the client's true equity position and what the trade actually affords, and confirm financing supports it - before anything goes on the market.
RISK MANAGED Overextending on the new purchase.
2 · POSITION - Sequencing Strategy
Decide sell-first, buy-first, or a bridge/contingent structure based on current inventory and rate conditions, not a default assumption.
RISK MANAGED Double-carrying two mortgages, or being priced out mid-search.
3 · PROTECT - Financing & Contingency Structure
Pre-position financing - underwriting, HELOC or bridge options - and structure contingencies before an offer is ever written.
RISK MANAGED Financing falling through mid-contract.
4 · EXECUTE - Competitive Offer Strategy
Escalation clauses, appraisal-gap coverage, and terms calibrated to the specific listing - not a generic offer template.
RISK MANAGED Losing the home, or winning it at an unsupportable price.
5 · TRANSITION - Coordinated Close & Move
Align sale and purchase closing dates, and coordinate movers and vendors so one transaction doesn't strand the other.
RISK MANAGED A housing gap, or a rushed and costly move.
