You Want to Move Up in Seattle. You Don't Have to Sell First.
Seattle is a competitive market. Contingent offers get passed over. I help Seattle homeowners use their equity to buy their next home first, make a clean non-contingent offer, and sell their current home on their own timeline.
See If You QualifyWhy Contingent Offers Don't Work in Seattle
Seattle proper is highly competitive. Multiple offer situations are common, and contingent offers are routinely passed over in neighborhoods like Capitol Hill, Ballard, West Seattle, Queen Anne, and Beacon Hill. Homes in desirable zip codes including 98103, 98117, 98115, and 98118 frequently receive offers within days of listing.
Seattle move-up buyers are often tech workers or longtime homeowners who bought 10-15 years ago and now have substantial equity. Many are upsizing for growing families or relocating within the city for school districts.
There Is a Better Way to Move Up
Most Seattle homeowners assume they have to sell before they can buy. That assumption costs them homes. With a bridge loan through Fairway Independent Mortgage Corporation, I can help you tap the equity in your current home to fund the down payment on your next one. You make a clean, non-contingent offer. You move in on your own schedule. Then you sell your current home once you're out, which typically means it shows better, sells faster, and sells for more.
No contingent offers. No moving twice. No living in a staged house for 90 days while strangers walk through your kitchen.
Depending on your situation, I also have access to programs through HomeLight, Knock, and Calque that can accomplish the same goal in a slightly different way. The right option depends on your specific numbers and timeline.
What the Program Looks Like
Borrow up to $750,000
Up to 90% loan-to-value on your current home
Minimum 680 credit score
No monthly payments on the bridge loan — interest is paid at closing
You qualify based on the new home payment only, not both
Available in Washington State and 47 other states
Must be paid off within 6 months — typical for most home sales
Loan-to-value may vary by loan amount. State eligibility is based on the location of the home being sold, not the home being purchased. This is not a commitment to lend. Program details subject to change.
This Works Best If You
Have owned your home for at least several years and have built meaningful equity — generally 25% or more of your home's current value.
Have found a home you want or are actively looking and don't want to lose out because your current home isn't sold yet.
Want to move once, not twice — into temporary housing and then again into your new home.
Have a credit score of 680 or above and are purchasing with a conventional loan.
Why Work With Troy....
Troy is the Branch Manager at Fairway Home Mortgage in Washington State and has spent years helping homeowners navigate the timing problem that stops most people from moving. He specializes specifically in buy-before-you-sell financing strategies and works with clients across Washington and nationally through Fairway's network.
He is not a generalist. This is what he does.
Ready to Find Out If This Works for Your Home in Seattle?
It starts with a short quiz on my main Buy Before Selling page. No financial data required. Just a few questions about your current home and what you're looking to do. I'll review it and reach back out with a straight answer.
Take the QuizThis is not a loan application. Your information is used only to determine fit and will not be shared.