Your Seller Is Ready to Move, But Their Current House Is Holding Them Back
Your Seller Has the Income, Credit, Down Payment, and Even Their Next House Picked Out
However, their mortgage on their current house is still being counted against them; the numbers may not work.
They don’t have a money problem. They have a qualification problem.
You just need an offer to make things work, and that may be easier to solve than they think.
How One Offer Could Change the Equation
That is where our Purchase EDGE Guarantee comes into play.
We will submit a purchase offer and go under contract on your seller’s current home.
Our underwriter will exclude their payment on the departing residence from their debt-to-income calculation.
Now they are able to qualify for the next home they want to buy.
The Current Mortgage—not the Buyer—Can Block Next-Home Qualification
The Current Mortgage—not the Buyer—Can Block Next-Home Qualification
And the Cost? Only $3,500 Due at Closing
Not a percentage of the sale price. Not thousands of dollars like those "Sell Your House Fast for Cash" companies either.
Four Steps Behind the $3,500 Purchase EDGE Guarantee
Four Steps Behind the $3,500 Purchase EDGE Guarantee
So Why Do We Make This So Affordable?
Those “Sell Your House Fast for Cash” companies make money by buying your seller’s home. The seller can give up too much equity for the convenience, and you can lose the listing.
That’s not how we make money.
We built these solutions to be low-cost and flexible because our goal isn’t to profit from your seller’s current home.
We make money when we help the seller finance their next purchase.
You Keep the Listing. We Finance the Next Home.
By Helping You Win, We Win.
Realtor Partnership: Preserve the Listing While the Seller Moves Forward
Realtor Partnership: Preserve the Listing While the Seller Moves Forward
Have a Seller Who Should Be Able to Buy, but the Numbers Still Don’t Work?
Send me the property address and tell me what is holding them back.
Let’s find out if their current house is really the only thing standing between them and their next home.
➡️ Call or Text Michael @ 615-585-5900
Prefer to put a time on the calendar?
➡️ Schedule a 10-Minute Listing Strategy Review
No presentation. No obligation. Just the numbers and whether the strategy makes sense for your seller.
Explore Other Ways To Move Before You Sell
Every situation is different. Explore these related strategies designed to create more flexibility, remove common roadblocks, and make the next move easier.
Explore the No-Payment Bridge Loan
- Access equity from the current home before it sells, create funds for the next purchase, and gain more flexibility over the timing of the move.
See How The Purchase EDGE Guarantee Works
- Resolve a qualification roadblock caused by the mortgage on the current home that is preventing the next purchase from proceeding.
Explore Purchase EDGE & The Guaranteed Backup Offer
- Keep the current home on the market while having a guaranteed backup buyer available if greater certainty is needed.
Best regards,
Michael Thayer, CMPS, CMA
Planet Home Lending
NMLS #173264 | Company NMLS #17022
Explore Buyer & Seller Resources & Next Steps
+ −Market Timing vs. Market Strategy: When Is the Right Time to Buy... And More Importantly, Why?
Calculators & Loan Programs Questions Answered: Mortgage Programs & Financing Calculator
Smart Financing Strategies to Lower Your Monthly Mortgage Payment: Smart Mortgage Strategies & Financing Hacks
Homebuying Roadmap: Your Mortgage GPS
Moving To Middle Tennessee: Moving To Middle Tennessee Resource Center
Search Open Houses: View All Middle Tennessee Open Houses
Main Resource Hub: Buyers, Sellers, Realtors, and Builders Resources and Strategies
Additional Information & Reference Guides
+ −Video Transcript
+ −00:00
Your seller's ready to buy; they have good income, good credit, and they even have their own down payment, and they found the house that they want to buy.
00:07
But you can still lose that next purchase transaction, because they can't qualify with both mortgage payments until their current home sells. That's exactly why we created the Purchase Edge Guarantee.
00:18
We'll write an offer on your seller's current house that allows our underwriter to exclude their current mortgage payment from their debt-to-income ratio, helping them qualify for their next home.
00:28
Now, your seller can move forward on their next home before their current home sells, and they can make stronger, non-contingent sales offers and buy the house they actually want. And you? You keep the listing. You keep marking the house.
00:44
You keep the commission opportunity. All for a flat $3,500 fee that's due at the closing of the seller's current home.
00:51
No upfront fees. Use the calculator below to plug in your own numbers. Don't let two mortgage payments cost your seller the house that you really want to buy and yourself the next purchase transaction. Do you have a seller who's currently stuck? Send me the address. Let's create a path forward and offer solutions that your sellers are looking for. We'll talk to you soon.
The Current Mortgage—not the Buyer—Can Block Next-Home Qualification Image Overview
+ −What this image communicates
A reader encountering “The Current Mortgage—not the Buyer—Can Block Next-Home Qualification” should immediately recognize the buy-before-selling and seller-transition strategy question inside “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back.” The visual's role is primary visual message, so it must make one topic recognizable at a glance and give the reader a clear entry point into the deeper explanation on the page rather than merely repeat the headline. The visual centers “The Current Mortgage—not the Buyer—Can Block Next-Home Qualification” on a specific housing or listing decision. It connects the visible promise to the property, the people involved, and the transaction sequence instead of leaving the message as abstract marketing. A useful reading separates what can be illustrated now from what still depends on the home's condition, the negotiated terms, verified financing, and current market response.
Why it belongs on this page
This Realtor page begins with the specific problem that the seller may be ready and otherwise qualified, yet the existing mortgage blocks the next purchase. The primary visual message role of “The Current Mortgage—not the Buyer—Can Block Next-Home Qualification” is the reason this image belongs at this point in “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back.”
The exact story carried by this graphic
This panel makes a critical distinction: the seller may have adequate income, credit, and desire to buy, yet the existing mortgage can still prevent qualification for the next home when both obligations are counted. The problem is not personal readiness; it is the underwriting treatment of overlapping debt and the available way to document or restructure the transition. The image helps agent and homeowner ask the lender the correct question before assuming the only choices are a sale contingency or abandoning the purchase.
How a reader can use it
Use “The Current Mortgage—not the Buyer—Can Block Next-Home Qualification” for its stated primary visual message job on “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back.” Identify the claim, chart, comparison, process, property feature, or strategy shown and connect it to the exact decision the page addresses. The working notes for this panel should record the literal claim or comparison shown, the page fact it supports, the source behind that fact, and the decision the reader should make next. That record lets the reader identify whether the homeowner can move first while protecting the open-market listing and avoiding an unsupported promise about qualification or sale proceeds without asking this image to answer a different stage of the decision.
What still must be verified
The final safeguard is verification. The image does not approve financing, guarantee a sale, establish market value, remove contractual duties, or prove that one transition structure is best for every seller. A reader should leave “The Current Mortgage—not the Buyer—Can Block Next-Home Qualification” knowing what to ask and what to gather—not believing that a graphic has already supplied an approval, valuation, legal conclusion, or guaranteed outcome. On “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back,” that safeguard applies specifically to the primary visual message role assigned to “The Current Mortgage—not the Buyer—Can Block Next-Home Qualification.”
Four Steps Behind the $3,500 Purchase EDGE Guarantee Image Overview
+ −What this image communicates
A reader encountering “Four Steps Behind the $3,500 Purchase EDGE Guarantee” should immediately recognize the buy-before-selling and seller-transition strategy question inside “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back.” The visual's role is primary visual message, so it must make one topic recognizable at a glance and give the reader a clear entry point into the deeper explanation on the page rather than merely repeat the headline. The visual presents “Four Steps Behind the $3,500 Purchase EDGE Guarantee” as a sequence with dependencies. Its order matters: one confirmed input creates the next task, and an unresolved item can stop the file, listing, or purchase from advancing. By turning the process into visible stages, the graphic lets a reader identify the current position, the next handoff, and the deadline or evidence that controls progress.
Why it belongs on this page
Its images then explain four steps behind the stated Purchase EDGE guarantee and the partnership that preserves the listing. The primary visual message role of “Four Steps Behind the $3,500 Purchase EDGE Guarantee” is the reason this image belongs at this point in “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back.”
How a reader can use it
Use “Four Steps Behind the $3,500 Purchase EDGE Guarantee” for its stated primary visual message job on “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back.” Identify the claim, chart, comparison, process, property feature, or strategy shown and connect it to the exact decision the page addresses. The working notes for this panel should record the literal claim or comparison shown, the page fact it supports, the source behind that fact, and the decision the reader should make next. That record lets the reader identify whether the homeowner can move first while protecting the open-market listing and avoiding an unsupported promise about qualification or sale proceeds without asking this image to answer a different stage of the decision.
What still must be verified
The image does not approve financing, guarantee a sale, establish market value, remove contractual duties, or prove that one transition structure is best for every seller. “Four Steps Behind the $3,500 Purchase EDGE Guarantee” should therefore be treated as a primary visual message, not as transaction evidence by itself. Current documents, responsible sources, and the professionals accountable for the relevant decision must control when they differ from the illustration. On “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back,” that safeguard applies specifically to the primary visual message role assigned to “Four Steps Behind the $3,500 Purchase EDGE Guarantee.”
Realtor Partnership: Preserve the Listing While the Seller Moves Forward Image Overview
+ −What this image communicates
The image titled “Realtor Partnership: Preserve the Listing While the Seller Moves Forward” gives “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back” a focused primary visual message. Its communication job is to make one topic recognizable at a glance and give the reader a clear entry point into the deeper explanation on the page. In this page context, the underlying subject is buy-before-selling and seller-transition strategy: how equity, the current mortgage, next-home qualification, sale timing, liquidity, carrying costs, and backup plans interact. The visual centers “Realtor Partnership: Preserve the Listing While the Seller Moves Forward” on a specific housing or listing decision. It connects the visible promise to the property, the people involved, and the transaction sequence instead of leaving the message as abstract marketing. A useful reading separates what can be illustrated now from what still depends on the home's condition, the negotiated terms, verified financing, and current market response.
Why it belongs on this page
The story should distinguish seller readiness from lender qualification and explain the program's cost, conditions, dates, property review, and backup mechanics. The primary visual message role of “Realtor Partnership: Preserve the Listing While the Seller Moves Forward” is the reason this image belongs at this point in “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back.”
How a reader can use it
Use “Realtor Partnership: Preserve the Listing While the Seller Moves Forward” for its stated primary visual message job on “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back.” Identify the claim, chart, comparison, process, property feature, or strategy shown and connect it to the exact decision the page addresses. The working notes for this panel should record the literal claim or comparison shown, the page fact it supports, the source behind that fact, and the decision the reader should make next. That record lets the reader identify whether the homeowner can move first while protecting the open-market listing and avoiding an unsupported promise about qualification or sale proceeds without asking this image to answer a different stage of the decision.
What still must be verified
The boundary is important. The image does not approve financing, guarantee a sale, establish market value, remove contractual duties, or prove that one transition structure is best for every seller. The “Realtor Partnership: Preserve the Listing While the Seller Moves Forward” image can improve preparation and questions, but it cannot replace the records, disclosures, findings, approvals, or agreements issued for the actual borrower, property, and transaction. On “Your Seller Is Ready to Move, But Their Current House Is Holding Them Back,” that safeguard applies specifically to the primary visual message role assigned to “Realtor Partnership: Preserve the Listing While the Seller Moves Forward.”