Buy your next home before selling your current home.


We provide a fast and simple solution for homeowners with substantial equity in their existing home and want to buy a replacement home before having to sell — even before having to list!

  • Compete and win with a stronger purchase position by making a non-contingent offer on your next home.
  • Qualify for your replacement home mortgage without income documentation or employment verification, even if you are retired, between jobs, or self-employed with low “verifiable” income.
  • Obtain your new home financing driven entirely by a 25% down payment OR your existing home’s equity, some post-closing reserves, and a decent credit score.
  • Close on your new home, move in, and then have your agent sell your vacant and fully staged existing home for maximum value after you have moved out.
  • Take your time and prepare your existing home for market on your own schedule. This reduces the stress and inconveniences of living in your home while it’s for sale.

Buying Before Selling in four simple steps:



Buy your new home before listing your existing home.



Move into your new home at your leisure.



Renovate, stage, and sell your old home for top dollar.



Tell your golf buddies how smart you are!


Have you been thinking about selling your current home and moving closer to the grandkids, retiring near the beach, or just downsizing to a more manageable home elsewhere in California…but you’re afraid of paying higher property taxes?

Have no fear, Prop 19 is here! You can now take your original tax basis with you to your new home and keep your low property tax payment, making the move affordable and within your existing budget.

If you are over 55 and have held back from moving because of concerns about much higher taxes, we have exciting news: You can now sell your current home, buy to a new home anywhere in California, and retain your existing property tax basis.

golf course landscape

Let’s start with the basics: The building blocks of your mortgage are as easy as A B C: Assets, Budget, and Credit. Once you know the essentials, you’ll be a wiser borrower.

I teach and advise before I customize your home loan solution. We’ll share a confidential, no-cost strategy session to determine your financial goals, and if you are buying a home, the price range you can afford. After more than 20 years as top loan originator in California, I have learned how to help a variety of borrowers with different income sources, matching the correct loan to their unique circumstances. I’m ready to do the same for you.

My years of experience and deep knowledge of loan programs allow me to think outside the box. If you have a challenging situation, please bring it to me. Don’t let self-employment, divorce, or credit challenges keep you from becoming a homeowner. I have financing programs that give you more qualifying options, including bank statement, asset depletion and investor cash flow loans.

When you choose my team and I to handle your home financing, you’ll find we communicate clearly, answer your questions quickly, and work together to close your loan as soon as possible. It’s all part of the superior mortgage experience we provide for every client. We understand this is probably the biggest financial commitment of your life, so we will treat you with respect and honor you deserve.

We were able to buy our Northern California dream home before having to sell our home in Orange County! This allowed us to make the transition to our new home and not worry about where we were going to live in between homes and where we were going to store all our stuff. We moved straight into our new home without any stress.

Tom N.

Find out today!

Complete and submit this form or call 925.381.8190 to get started!

By clicking “Submit” I am agreeing to receive phone calls, SMS (text messages) and emails from CrossCountry Mortgage, LLC. I expressly consenting to recurring contact from CrossCountry Mortgage, or its agents, at the number and/or email address I provided regarding products or services via live, automated or prerecorded telephone call, SMS (text message), or email. I understand that my telephone company may impose charges on me for these contacts, and I am not required to enter into this agreement as a condition of purchasing property, goods, or services. I understand that I can revoke this consent at any time. Terms & Conditions/Privacy Policy apply.