Buying and Selling at the Same Time? Here’s How to Make It Work

If you’re a homeowner planning to move—whether it’s for more space, a different area, or a fresh start—figuring out how to buy and sell at the same time can feel overwhelming. But with the right plan, it’s completely doable.

Here’s what to consider and how to make it a smooth process.

Option 1: Sell First, Then Buy

This is the more conservative route. You sell your current home first, then use the proceeds for your next purchase.

Pros:

• You know exactly how much money you have to work with

• No risk of carrying two mortgages at once

  
  

Cons:

• You may need temporary housing if your next home isn’t ready

• Can feel rushed to find something quickly

Pro Tip:

If you’re worried about timing, we can negotiate a rent-back agreement where you stay in your home for a few extra weeks after closing.

Option 2: Buy First, Then Sell

This can work well if you have the financial flexibility and don’t want to feel rushed into buying the wrong home.

Pros:

• You can take your time finding the right next home

• Easier move—you’re not living out of boxes or in between places

  
  

Cons:

• You may need to qualify for both mortgages temporarily

• Pressure to sell quickly to avoid carrying both homes too long

Pro Tip:

Some lenders offer bridge loans or HELOCs that can help you tap into your current home’s equity for the down payment on the next one.

Option 3: List Contingent & Coordinate Closings

This is the middle ground. You list your current home and start house hunting, making offers contingent on the sale of your current home.

Pros:

• You avoid owning two home at once

• It gives you more flexibility

  
  

Cons:

• Sellers may see contingent offers as weaker—especially in a competitive market

• It requires tight coordination on both ends (don’t worry—that’s where I come in)

  
  

So What’s the Right Move for You?

It all depends on your timeline, finances, and comfort level. That’s why it’s so important to work with a real estate agent who understands both sides of the transaction—and can help you keep things moving smoothly.

Whether you want to move fast or take your time, we’ll build a strategy that works for your life, not just the market. Hit me up 317-629-0070 (text is good).