Buy Before You Sell
Are you looking to buy a new home? Is your existing debt, not letting you qualify for enough home? Do you need the locked equity, in your current home as down payment?
Our Buy Before You Sell program can solve your dilemma. Get your down payment from the Equity of your Current Home. Get a New Loan that does not consider the debt against the home you plan to sell. Result You find the “Dream Home” at a desirable price before committing to sell the current home. You may make a non contingent offer since you can qualify for more home without selling your current home. Program Requirements You need at least 20% Equity in the Departing Residence You will also need to provide a “letter of intent” to sell the Departing Residence after you buy your new home. You Win! You get to qualify For Maximum Home.
You get your new “Dream Home” at Desired Price. Stage your Existing Home to get “best price”. Sell the old home and pay off all the mortgages.
We want to be part of your Journey!
We believe finding the perfect home is a life-changing experience, not just a transaction. Whether you’re upsizing, downsizing, or starting fresh, we’re here to guide you with trust, care, and expertise every step of the way.
Homebuyer Resources
Buying a home is a journey—and you don’t have to go it alone. Our Homebuyer Resources hub offers everything you need to make well-informed decisions at every stage: from credit tips and budgeting tools, to down payment strategies and mortgage comparisons. Available 24/7 to you.
Mortgage Rate
Understanding current mortgage rates is essential for anyone planning to buy or refinance a home. Watch our short video below to learn more about the current mortgage rates —see what rate you might qualify for, what your monthly payments could look like, and how even small changes in rate can impact your budget.
Get Fully Underwritten Before Your Offers
We ALL want a competitive edge. Our clients DESERVE a competitive edge. This is where Fully Underwritten Approvals play a valuable role.The underwriter has reviewed income, assets and liabilities to render a full approval for the borrower, even before the borrower has identified a property to purchase.
Jumbo Loans
If you have been offered a smaller jumbo loan, than requested or been turned down, we possibly can help. Our Buy Before you Sell product allows you to buy another home before selling your current home.Your down payment for your new home may come from equity in your current home. We exclude ALL the debt on your current home, allowing you to qualify for more home. We have jumbo products with high debt to income, lower down payment and reserve requirements.
We're Here To Help
We’re always happy to chat, but sometimes you need to do things at your own pace. Our tools and resources are available whenever you need them.
527 Sycamore Valley Rd W, Danville, CA 94526
Toll Free Call : (866) 280-0020
For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.
Interactive calculators are self-help tools. Results received from this calculator are designed for comparative and illustrative purposes only, and accuracy is not guaranteed. Shining Star Funding is not responsible for any errors, omissions, or misrepresentations. This calculator does not have the ability to pre-qualify you for any loan program or promotion. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are subject to change at any time and without notice. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. Shining Star Funding does not guarantee any of the information obtained by this calculator.
Privacy Policy | Accessibility Statement | Term of Use | NMLS Consumer Access
CMG Mortgage, Inc. dba Shining Star Funding, NMLS ID# 1820 (www.nmlsconsumeraccess.org, www.cmghomeloans.com), Equal Housing Opportunity. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing