Your Path to Buying Before You Sell

Ready to buy your next home but haven’t sold your current one yet?
At American Pacific Mortgage, we understand that the timing of buying and selling doesn’t always line up. That’s why we created Bridge to Buy—a suite of solutions designed to help you move forward confidently, even when your current home hasn’t sold.
Whether you're upgrading, relocating, or simply ready for a change, we’ll help you build the right bridge to your next home.
Bridge to Buy Options
We offer a variety of solutions to help you buy before you sell. Each has its own benefits depending on your equity, timeline, and financial goals.

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A short-term loan that lets you borrow against your current home's equity to fund the purchase of your next home.
Best for: Buyers with strong equity who need quick access to down payment funds. -
Modern solutions that remove the need for a sale contingency by providing upfront funding or backing your offer.
Best for: Competitive markets where non-contingent offers give you an edge. Includes features like 0% interest bridge loans and even home sale guarantees. -
Tap into a revolving line of credit based on your home's equity.
Best for: Flexible access to funds with interest-only payments during the draw period. Best for those planning to keep their current home for a period of time. -
Turn your current property into a rental and use projected income to help qualify for a new mortgage.
Best for: Buyers interested in keeping their home as a long-term investment. -
Buy your next home with a contract that depends on selling your current one first.
Best for: Buyers with lower risk tolerance or tighter budgets. -
Some loan programs allow you to exclude your current mortgage from your debt-to-income ratio if you're planning to sell.
Best for: Buyers with at least 20% equity who want to qualify without carrying two mortgages. -
An exclusive program that lets you offer a forward-locked interest rate to your future buyer—helping you sell faster.
Best for: Sellers looking to attract more qualified buyers while planning their own next purchase with APM.
>> Learn More About Seller PreLock
Why Use a Bridge to Buy Strategy?
Buy on your timeline, not the market’s
Make stronger, non-contingent offers
Tap into the equity you've already built
Avoid rushed decisions or temporary housing
Move forward with clarity and control
Explore Our Bridge to Buy Guidebook
Download our FREE eBook with all the details on Bridge to Buy options.
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Let’s Find the Right Bridge for You
Every situation is unique. That’s why our team is here to guide you through your options and tailor a plan that fits your financial goals and lifestyle.
Connect with us today to learn how Bridge to Buy can help you take the next step—without having to wait