SEATTLE’S CONTINGENCY BUSTER PROGRAM
Buy Your Next Home Before You Sell
Seattle's Mortgage Broker secures a guaranteed backup purchase contract on your current home, so your next offer goes in without a sell-first condition.
Compete with cash offers on the home you want
Move first, then sell for maximum value
Optionally unlock your home equity early
500+ Families
Served
Proven Track Record in Seattle
Why Contingent Offers Lose in Seattle’s Market
When a great home hits Seattle's market, the strongest offers arrive without conditions. Sellers choose buyers who can act immediately.
If buying your next home depends on selling your current, your offer becomes contingent and often gets passed over.
Buy Before You Sell With The Contingency Buster Program
The Contingency Buster Program secures a guaranteed backup purchase contract on your existing home, putting every advantage in your corner before it ever hits the market.
Compete Like a Cash Buyer
No sell-first condition. No hesitation from the seller. No reason to choose another buyer over you.
Sell Your Home For Full Value
A vacant, staged home gives you full control over timing, presentation, and price, and statistically sells 33-50% faster and for 5–10% more than comparable unstaged homes.*
*Source: National Association of Realtors, 2024 Profile of Home Staging; Professional Staging
Your Current Home Is Already Covered
A guaranteed backup purchase contract means you have a committed buyer in place before you ever make your next offer.
Move Once Into Your Next Home
Close on your new home and move straight in, no temporary housing, no storage units, no second move.
Want To Strengthen Your Position Even Further?
Power-Up with Equity Advantage
As part of the Contingency Buster Program, Equity Advantage puts the equity in your current home to work before it sells, so you're fully funded and ready to move the moment the right home appears.
Fund Your Down Payment
Access up to 70% LTV of your current home's equity before it sells, no need to wait for closing day to have the funds in hand.
Cover Your
Costs
Use the advance for renovations, staging, movingexpenses, closing costs, debt payoff to strengthen your qualifications, or whatever you need. There are no restrictions on how you use your funds.
No Monthly Payments
Unlike a bridge loan, Equity Advantage carries zero monthly payment obligation. The advance is repaid in full through escrow when your current home sells.
How The Contingency Buster Program Works
From your first conversation to moving day, here is exactly what the process looks like.
Step 1
Confirm You Qualify
A minimum of 25% equity in your current home is all you need to make the contingency disappear from your next offer entirely.
Step 2
Consider Equity Advantage
Use Equity Advantage to unlock your current home's equity before you sell so yournew home's offer is fully funded and ready to go.
Step 3
Win the Offer
Your offer goes in clean, no sell-first clause, no uncertainty. Seattle's Mortgage Broker closes in as little as 10 days and competes directly with cash offers.
Step 4
Move Straight In
Close on your new home and move directly in. One move. No storage unit. No temporary housing.
STEP 5
Sell on Your Terms
List before or after your move, whenever it makes the most sense. Most clients choose after so the home can be staged and presented without deadline pressure. Vacant and properly staged homes sell for an average of 5-10% more.*
*Source: Fox Homes - https://www.foxessellfaster.com/blog/the-big-debate-does-staging-a-home-boost-its-selling-price-or-is-it-just-a-myth/
STEP 6
Optimize Your Mortgage After You Sell
Apply any remaining equity to your new mortgage balance through SMB's Step Down Refinance program, lowering the principal balance on the home you just won!
Why Seattle Homeowners Choose The Contingency Buster Program
You want to make a clean, competitive offer on your next home, but you haven’t sold your current home yet. Without the right program, most buyers are left with no good options.
What It Costs You
With the Contingency Buster Program
Make a contingent offer
Sellers see risk and often choose another buyer
Your offer goes in with no home-sale contingency
Sell first, then buy
Sell before finding your next home and often move twice
Buy your next home first and move straight in
Wait for the “right time”
Buyers stay on the sidelines while homes sell to more prepared buyers
Make your move now with a clean, contingency-free offer
List while still living in the home
Limited staging and harder showings
Vacant, staged home positioned for stronger offers
Bridge Loan
Higher closing fees and still have to qualify for the bridge loan and the new home loan
Choose the Equity Advantage and access your home equity before you sell
Ready to Make a Competitive Offer on Your Next Home?
One quick conversation is all it takes to see if you qualify and what it takes to make a clean, competitive offer on your next home.
