09/03/2026
Most people who call me about buying a new Steiner Ranch home when they also have a house to sell have already decided how they're doing it.
Usually they've picked the hardest way.
The assumption is that there are two paths. Sell first, move into a rental, then move again when you find something. Or buy first and carry two payments until the old house closes. Both are real. Neither is the only option, and for most people neither is the best one.
Here's what actually exists.
A contingent offer means you buy only if your current home sells. It's the most common answer and the weakest one in a competitive situation, because a seller comparing two offers will usually take the one without the contingency attached.
Bridge financing lets you access the equity in your current home before it sells. That turns a down payment problem into a timing problem, which is a much easier problem.
Buy-before-you-sell programs go further. Depending on the structure, some let you make an offer with no contingency at all, then sell the old house afterward on your own timeline instead of under pressure.
There are others, and which one fits comes down to your equity position and how tight your timeline is.
The part people miss is that this decision changes what you're able to offer. An offer with no home-sale contingency is a different offer than one with it, on the same house at the same price. Working that out after you've found the house you want is too late.