Buy Before You Sell in Texas
Everything's bigger in Texas—including the competition for great homes. Our Buy Before You Sell bridge loan unlocks your equity so you can purchase your new Texas home before selling your current one—and win in Austin, Dallas, Houston, and beyond.
Texas Housing Market 2026
Last updated: July 28, 2026
What Is Buy Before You Sell in Texas?
Buy Before You Sell in Texas is a bridge loan that unlocks your current home's equity so you can purchase your next Texas home before selling the one you own now. It lets you make non-contingent offers, move once with no temporary housing, and sell your old home vacant on your own timeline. Most Texas homeowners with about 20% or more equity in their current home qualify.
Texas Eligibility at a Glance
| Requirement | Detail |
|---|---|
| Minimum home equity | Approximately 20% or more in your current home |
| Property location | Your current and new home anywhere in Texas |
| Financing type | Short-term bridge loan against your current home's equity |
| Offer strength | Enables non-contingent offers that compete with cash buyers |
| Moving process | Move once, with no temporary housing or storage between homes |
Why Texas Homeowners Choose Buy Before You Sell
Texas's influx of relocating buyers and cash-strong competition rewards homeowners who can move quickly and without contingencies. Here is why local homeowners use the program.
Corporate Relocations
Texas leads the nation in corporate relocations. Companies moving to Austin, Dallas, and Houston bring waves of well-funded buyers who compete for homes.
No State Income Tax
Texas' tax advantages attract out-of-state buyers with cash. Buy Before You Sell gives you the same competitive power as a cash buyer.
Large Properties
Texas homes are big—selling vacant lets buyers envision their own furniture and lifestyle, often resulting in faster sales and higher offers.
Texas Markets We Serve
From the DFW Metroplex to the Texas Triangle and beyond, we help Texas homeowners across the Lone Star State with Buy Before You Sell financing.
Austin
Tech hub with intense buyer competition
Dallas
Major metro with diverse neighborhoods
Houston
Texas' largest city, sprawling market
San Antonio
Growing military and tech presence
Fort Worth
Western DFW growth corridor
Plano
Corporate relocations drive demand
Frisco
One of America's fastest-growing cities
The Woodlands
Master-planned community demand
Plus Round Rock, McKinney, Katy, Sugar Land, Arlington, Irving, Denton, and all Texas communities.
How It Works for Texas Homeowners
Buy Before You Sell in Texas works in four steps: assess your equity, get pre-approved, buy and move into your new home, then sell your old home vacant for top dollar.
Free Texas Equity Assessment
We analyze your Texas home's value and current mortgage to determine your bridge loan eligibility. Most TX homeowners with 20%+ equity qualify.
Get Pre-Approved for Your New TX Home
With pre-approval in hand, you can shop anywhere in Texas—Austin, Dallas, Houston, or any market—and make strong, non-contingent offers.
Buy Your New Home & Move In
Close on your new Texas home and move in at your pace. No temporary housing, no storage units, no coordinating two closings.
Sell Your Old Home for Top Dollar
List your previous home vacant and professionally staged. Texas buyers love seeing the full potential of those big Texas spaces.
Texas Consumer Notice: Cornerstone First Mortgage, Inc. (NMLS #173855) is licensed by the Texas Department of Savings and Mortgage Lending. For complaints, visit www.sml.texas.gov or call 1-877-276-5550.
Ready to Buy Before You Sell in Texas?
Take our 60-second quiz to see if you qualify for bridge loan financing. No credit check required.
Check Your Texas Eligibility