Buy Your Next Home Before You Sell: Truss Financial Group collabs with Flyhomes to Unlock Home Equity

For most homeowners, the dream of a new house comes with a logistical nightmare: The Chain. You can't buy the new house until you sell the old one. You can't sell the old one until you find a new one. You’re trapped in a cycle of "contingent offers" that sellers in today’s market often ignore.

At Truss Financial Group (TFG), we believe your equity shouldn't be a cage.

We are proud to announce our official partnership with Flyhomes to bring their "Buy Before You Sell" ecosystem to our clients. This isn't just a new loan product, it’s a strategic way to unlock your home equity and move on your own terms.

How This Partnership Can Help Borrowers?

In a traditional transaction, you are a "contingent buyer." In the eyes of a seller, that means your offer is risky. If your current home sale falls through, their sale falls through.

Through our partnership with Flyhomes, we are effectively removing that risk. We are giving you the power to:

1. Buy your new home first (and move in immediately).
2. Eliminate the "Home Sale Contingency" from your offer.
3. Maximize your sales price on your old home by listing it while it's empty and staged, not lived-in.

Two Paths to Your Next Home

Depending on your specific financial goals and the competitiveness of your local market, our TFG Loan Officers will help you navigate one of two Flyhomes-powered tracks:

1. The Guaranteed Backup Contract (The "DTI Unlocker")

This is the most affordable way to increase your buying power. Flyhomes provides a guaranteed backup purchase contract on your current home.

• How it helps your Mortgage: Because there is a guaranteed contract, TFG can often exclude your current mortgage payment from your Debt-to-Income (DTI) calculation.
• The Result: This can increase your approved loan amount by 40-50%. If you were previously told you "couldn't afford" the move without selling first, this changes the math entirely.
• The Safety Net: If your home doesn’t sell on the open market within 180 days, Flyhomes buys it. You get the certainty of a sale with the upside of the open market.

2. The Flyhomes Cash Offer (The "Market Dominator")

In a multiple-offer situation, cash wins. This program uses a short-term bridge loan to turn you into a cash buyer.

• The Speed: Close in as little as 10 days with no financing contingencies.
• The Equity Hack: You can often move with $0 down payment by leveraging the combined equity of your current home and your new one.
• The Strategy: Use Flyhomes’ capital to win the house, move in, and then work with TFG to transition into a long-term Standard Fixed-Rate Mortgage or a Custom Jumbo Loan once your old home sells.

How the Process Works (Step-by-Step)

We’ve designed the TFG x Flyhomes workflow to be as seamless as possible:

1. Eligibility Check: Your TFG Loan Officer works with Flyhomes to evaluate your current home’s value and your buying power.
2. The "Winning" Offer: You go house hunting with your agent. You make an offer without a sale contingency (or a full cash offer).
3. The Move: Once you close, you move into your new home. No double moves, no temporary rentals, no storage units.
4. The Sale: Your agent lists your old home. Because you’ve already moved out, the home is easier to show and sells for top dollar.
5. The Finish Line: Once the old home sells, the proceeds pay off the Flyhomes bridge, and TFG helps you finalize your long-term financing.

A Note on Transparency: A True Partnership

It is important to note that while TFG facilitates this process, these specific "Buy Before You Sell" tools are Powered by Flyhomes.

At Truss Financial Group, we specialize in complex financing, from Bank Statement Loans for the self-employed to Investor Cash Flow (DSCR) Loans. By partnering with Flyhomes, we are adding a "liquidity" tool to our belt. We handle the long-term mortgage strategy; Flyhomes provides the innovative bridge that gets you across the finish line.

Is "Buy Before You Sell" Right For You?

This program is ideal for:

• Families who don't want to move twice or live in a "show-ready" house with kids and pets.
• Up-sizers who have significant equity but need that equity to qualify for their next Jumbo Purchase.
• Relocators who need to move quickly for a job but don't want to fire-sale their current property.

Pricing Note: Flyhomes offers some of the most competitive rates in the industry for these services, with flat fees starting as low as $2,500.

Exploring All Your Options: Alternative Solutions at TFG

While the Flyhomes partnership offers an incredible "Buy Before You Sell" bridge, it’s just one of the many ways we help homeowners navigate complex moves. Depending on your long-term goals especially if you're a real estate investor or self-employed, one of these TFG-exclusive strategies might also be a fit:

• The "Keep It as a Rental" Strategy (DSCR Loans): Not ready to sell your current home at all? If your property has strong rental potential, we can use an Investor Cash Flow (DSCR) Loan to help you purchase your new home while keeping the old one as an income-producing asset. We qualify the loan based on the property’s rent, not your personal income.
• Asset-Based Qualification: For clients with high net worth or significant liquid assets who don’t want to rush a sale, our Asset Depletion Loans allow us to use your portfolios (stocks, bonds, or retirement accounts) to qualify for a new mortgage without needing to show traditional employment income or sell your current residence first.
• Bank Statement Loans for Self-Employed Buyers: If you are a business owner looking to leverage the Flyhomes Cash Offer, we can pair that strategy with our Bank Statement Program. This allows us to verify your buying power using your business deposits rather than tax returns, giving you the most accurate "True Income" picture possible.
• Bridge to Permanent Jumbo Financing: For those moving into high-value luxury markets, we specialize in transitioning your Flyhomes bridge loan into a Custom Jumbo Loan with competitive interest rates and flexible terms that standard big-box banks often can't match.

Ready to see what your home equity can actually do?

Don't wait for the "perfect time" to sell. Create your own perfect timing. Reach out to your Truss Financial Group Loan Officer today to get a Flyhomes eligibility estimate.

Get Started, Speak with a TFG Specialist today!