Most homeowners love the idea of a brand-new home — but dread the logistics of selling first.
The fear of juggling two mortgages or rushing a sale keeps many people from moving forward.
The good news? You can buy before you sell — it just takes strategy.
💡 The Challenge: Your Equity Is Trapped
Your equity is the key to your next home — but it’s tied up until your current one sells.
That’s the Catch-22 of moving up. Builders want non-contingent buyers, lenders want your sale complete, and you want one smooth move.
The solution isn’t luck — it’s planning.
🔑 3 Smart Ways to Buy Before You Sell
✅ Bridge Loan or HELOC — Use short-term financing to unlock your equity for a down payment, then pay it off after your sale.
✅ Home Sale Contingency Clause — A great tool when your home is already listed or under contract. Some Oswego builders still accept this.
✅ Rent-Back Agreement — Sell now, stay for 30–60 days while your new construction finishes.
These strategies eliminate the “double mortgage” fear and let you move on your terms.
🏗️ Oswego’s New Construction Market in 2025
Builders like M/I Homes and D.R. Horton are still offering major perks:
- Rate buydowns in the 4–5% range
- Closing-cost credits
- Design upgrade incentives
Subdivisions like Ashcroft Place and Grande Park are especially popular for move-up buyers.
Homes are moving steadily — particularly those that can close before spring.
📺 Want local insight? Watch my “Oswego Fall Market Update” video for pricing and demand trends.
🕒 Timing Is Everything
The right sequence is simple:
1️⃣ Meet with your agent to match listing timing to builder completion.
2️⃣ Get financing (HELOC or pre-approval) ready early.
3️⃣ Negotiate overlap — so you move once, not twice.
That’s how you go from stressed to strategic.
📈 Should You Remodel or Move?
If you’re deciding between upgrading your current home or moving into a new build, watch “Remodel or Just Sell? Oswego Home Upgrade vs. Selling Strategy.”
It breaks down when updates pay off — and when it’s smarter to cash out.
📍 CTA – Get Your Free Strategy Call
Ready to explore your options?
Get your Free Home Valuation + Strategy Call today.
I’ll help you price your home, evaluate timing, and secure your next move without double payments.
👉 Free Strategy Consultation Call
📞 630-315-0723 | sean@oneilpropertygroup.com
❓ FAQs
Q1: Can I really buy before I sell in this market?
Yes — with bridge loans, contingencies, or rent-backs, it’s more common than ever.
Q2: What builders in Oswego are offering incentives?
M/I Homes and D.R. Horton are currently offering rate buydowns, design credits, and closing-cost assistance.
Q3: How can I avoid paying two mortgages?
By using a short-term HELOC or a rent-back after closing, you can overlap both transactions safely.
Q4: Should I wait for spring to buy new construction?
Not necessarily. Builders are motivated now, and early buyers often get the best incentive packages.
Request Your Free Home Valuation
START HERE: Find out what your home is really worth in today’s market. Whether you’re thinking about selling now or just curious, we’ll show you your property’s true market value — and your best options to sell for top dollar or cash.
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