1. Clarify Your Big Picture
- You: Share why you’re moving, ideal timing and whether you can move twice (temporary housing) or prefer one move.
- We: Review your current mortgage, estimated equity and what you want in the next home.
2. Estimate Equity & Buying Power
- We: Prepare a market estimate and net sheet for your current home.
- Mortgage side: Use your income, debts and estimated new payment to outline price ranges and loan options.
3. Choose a Sell-Then-Buy Strategy
- Sell first, then buy with cash from the sale.
- Buy first using special financing or reserves, then sell.
- Contract both with contingency wording tying the two together.
4. Prepare & Launch Your Listing
- Declutter, stage key rooms and complete simple repairs.
- Professional photos, MLS listing and online marketing.
- Set showing instructions and open-house options.
5. Search for Your Next Home
- Use filters for area, price, size and features that match your plan.
- Tour homes and compare payment scenarios with the calculators.
- Adjust target price or timing as needed.
- Complete Find Your Home so we can connect listings to your plan.
6. Coordinate Offers on Both Homes
- On your sale: Negotiate price, closing date and contingencies.
- On your purchase: Write an offer that fits your financing and closing schedule.
- Work to keep appraisal, loan approval and closing dates aligned.
7. Inspections, Appraisals & Loan Approval
- Buyer inspections on your current home and your new home.
- Appraisals ordered by the lender(s).
- Final underwriting approval once conditions are cleared.
8. Back-to-Back (or Same-Day) Closings
- Sale closing first so proceeds are available for your purchase.
- Purchase closing follows using funds from the sale as needed.
- Coordinate moving trucks, utility changes and key hand-offs.
9. After Closing
- Review mortgage payment setup, escrow and tax information.
- Plan future check-ins for potential refinance or equity reviews.