Lendia Mortgage — Specialty Loans
Buy Before You Sell in California
Buy Before You Sell programs allow California homeowners to purchase their next home before their current home is sold — eliminating the need for contingent offers, temporary rentals, or the pressure of a simultaneous close. Whether structured as a bridge solution or through a dedicated program like BYOC (Bring Your Own Client), Lendia helps homeowners in Southern California navigate the transition from one home to the next with confidence and without compromise.
Buy Before You Sell At a Glance
| Feature | Details |
|---|---|
| Program Type | Bridge / transition financing |
| Primary Benefit | Buy new home before selling current home |
| Contingency Required | No — non-contingent offers on new purchase |
| Eligible Borrowers | Existing homeowners with equity in departing residence |
| Loan Types | Conventional, jumbo, FHA, VA (varies by program) |
| Departing Residence | Carried during transition; rental income may be counted |
| Typical Sale Window | 6–12 months (varies by program) |
| Eligible States | California |
Buy Before You Sell — Full Q&A Library
- What Is Buy Before You Sell and How Does It Work?
- Who Qualifies for a Buy Before You Sell Program?
- What Is the Difference Between BBYS and BYOC (Bring Your Own Client)?
- How Is the Departing Residence Handled During the Transition?
- Do I Need to Sell My Current Home Before I Can Buy the New One?
- How Is Income Qualified If I'm Carrying Both Properties?
- What Loan Types Are Compatible with Buy Before You Sell?
- How Long Do I Have to Sell My Current Home After Buying the New One?
- What Happens If My Current Home Doesn't Sell in Time?
- What Are the Fees and Costs Involved?
- Is Buy Before You Sell Available for Investment Properties?
- How Does Buy Before You Sell Affect My Debt-to-Income Ratio?
- Is Buy Before You Sell a Good Fit for California's Real Estate Market?