For Washington homeowners who want to move up but don't want to sell first. I'm Troy Gamble, and this is my specialty.
About 12 minutes. No cost or obligation.
You have equity in your home and you're ready for the next chapter. But the logistics are paralyzing. The fear of selling your current home and having nowhere to go. The dread of packing up and moving twice. The risk of losing the equity you've worked hard to build, or the anxiety of committing to a new home you haven't even found yet. And in today's market, the very real fear that a contingent offer will just get tossed aside by sellers.
I get it. I'm Troy Gamble, and I have helped hundreds of Washington homeowners past this exact hesitation. You don't have to be stuck. There is a proven, strategic way to bridge the gap between the home you have and the home you want.
Buy Before Selling programs allow you to tap the equity in your current home to fund the down payment on your next one. You buy your new home first, move in on your timeline, and then sell your current home without any pressure. You make a clean, non-contingent offer that sellers actually accept.
This strategy is a lifesaver for hesitant move-up sellers who refuse to list until they've secured their next house. It's also the perfect solution if you are selling your home and received a great offer from a buyer who is stuck with a home sale contingency, we can help that buyer eliminate their contingency so your deal closes smoothly.
Unlike a traditional HELOC or standard second mortgage, these specialized bridge and equity unlock programs are designed specifically for the transition between homes. They often require no monthly payments (interest is paid at closing when your home sells) and are structured to keep your debt-to-income ratio clear so you can qualify for your new mortgage easily.
With 28+ years of lending experience and over 1,800 Washington families served, I've built my practice around this specific solution. While other lenders might offer a bridge loan as an afterthought, Buy Before Selling is my primary niche. I know the nuances, the partner programs (like HomeLight, Knock, and Calque), and how to structure the financing to protect your equity.
I'll be honest: this isn't for everyone. If you're just looking for the absolute lowest online rate on a standard purchase loan and don't want any guidance, I'm not the right fit. But if you want a specialist advisor who will map out a clear, low-stress strategy to get you from your current home to your next one, we should talk.
We review your equity, goals, and timeline to determine which program fits best.
I secure your bridge financing and your new home mortgage pre-approval simultaneously.
You shop with confidence and make a strong offer without a home sale contingency.
Close on your new home and move in on your own relaxed timeline.
List your previous home vacant and staged, maximizing its sale price to pay off the bridge loan.
You've outgrown your current house but refuse to list it until you know exactly where you're going. Buy Before Selling removes the risk of being homeless.
You're selling your home and the best offer came from a buyer who needs to sell theirs first. I can work with your buyer to secure bridge financing, removing the contingency so your sale can proceed.
You're an empty-nester or retiree looking for a smaller footprint. You have massive equity but don't want the physical or emotional stress of a rushed, double move.
You're moving between Washington cities for work or family. You need to close on a home in your new city before you've had time to prep and sell your old one.
About 12 minutes. No cost or obligation. And I only run a soft pull at this stage.
I help homeowners across Washington State execute this strategy. Select your city below to learn more about how Buy Before Selling works in your local market.
"We were so nervous about selling first and being homeless with two kids. Troy explained the buy-before-selling process and it completely changed our strategy. We found our new house, got the keys, moved in over a weekend, and then sold our home in 11 days. We'll never do it any other way."
— Michael & Sarah
You know the frustration of having a great listing held up by a seller who refuses to commit until they find their next home. Or watching a strong contingent offer get rejected in a multiple-offer situation. Buy Before Selling is the tool that unlocks those stuck deals.
I partner with agents across Washington to help their clients move up confidently. Let's turn those "not yet" conversations into signed listing agreements.
The fastest way to find out is a short conversation. No pressure, no rate quotes, just real answers about whether this fits your situation.
About 12 minutes. No cost or obligation.
Still have a question? Text me at (425) 230-3123 and I'll answer it myself.