Buy First. Move Once. Sell After.
A flexible path designed to help you secure your next home before selling this one — so your current home does not have to control the timing of your move.
A Simple Four-Step Transition
Review the available backup / trade-in structure for your current home.
Move forward on your next home with less dependence on selling this one first.
Transition into your next home on your schedule.
Prepare and sell your current home after you have moved.
Your next move doesn't have to wait on this sale.
Smart Buy Program™ is designed to reduce the pressure of coordinating two transactions at the same time.
Final program terms control.
Built for moves that don't fit neatly into two closing dates
You found the next home before this one is sold.
You want to move into something easier before preparing this home for market.
You need flexibility when timing a move to another city or state.
Your new construction completion date may move.
You simply want to move once instead of juggling showings, packing and two closings.
Primary Benefits
Potentially pursue your next home before your current home closes.
Move into the next home before selling this one.
Avoid making every part of the move depend on perfectly synchronized closing dates.
Prepare, show or improve the property after you move.
Where available, a backup structure can provide an alternative if the open-market sale does not line up as planned.
The backup value is the safety net.
The goal may still be to sell on the open market.
The backup value is not automatically the desired final sale price. Our strategy is generally to establish the backup first, then pursue the strongest open-market result available within the program timeline.
How the Timing Could Work
Closings Line Up
You secure your next home, sell your current home, and the closings coordinate closely.
Result: A more traditional transition with less disruption.
Your Next Home Closes First
You move into the next home first. Then your current home is prepared and sold afterward under the applicable Smart Buy Program™ structure.
Why Selling After Moving Can Help
A vacant home is not guaranteed to sell faster or for more money.
Three Steps to Your Next Move
Purchase your next home before selling your current home.
Move into the new home before preparing and selling the old one.
List and sell your existing home normally, with a backup safety net available if needed.
The major assumptions behind your numbers. Tap Adjust Scenario to change any value — every result updates instantly.
Your Current Home Sale Numbers
This is your backup safety-net value if the home does not sell through the normal market process. It is not automatically your expected sale price.
Estimated proceeds from your current home sale after the mortgage payoff, selling costs, agent compensation and the Smart Buy Program™ program fee.
Would moving first make this easier?
Smart Buy Program™ prioritizes transition and flexibility. Other paths may prioritize speed, open-market competition or potential resale upside.
Smart Buy Program™ scenarios shown are estimates for discussion and comparison purposes only. Provider backup structures, fees, equity access, sale windows, qualification requirements and seller proceeds vary by provider and are subject to final program and loan terms. Actual appraised value, sale price, costs, timing and seller proceeds may vary. Final written agreements and offer terms control.