Buy Your Dream Home Before Selling Your Current One

Stop letting contingencies hold you back. Our innovative solutions help you transition seamlessly to your next home without the stress of timing two transactions.

49 States Covered
$2,500 Starting Cost
90% Less Than Competitors
Start Your Journey Learn More
Beautiful Arizona desert home with mountain views

The Challenge Most Homeowners Face

You've found your dream home, but there's a problem...

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Debt-to-Income Issues

You can't qualify for both mortgages simultaneously because your debt-to-income ratio is too high. Traditional lenders require you to sell first, putting you at risk of losing your dream home to another buyer.

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Need Cash for Down Payment

You need equity from your current home for the down payment on your next one. Waiting for your home to sell means watching opportunities pass by while you're stuck in limbo.

How Our Process Works

A simple, proven pathway to your next home

1

Initial Consultation

We review your financial situation, current home equity, and dream home goals. We'll determine which solution works best for your specific needs.

2

Choose Your Solution

If DTI is your challenge, we use our guaranteed backup contract. Need equity? We have in-house bridge loans. We also offer niche loan programs that can exclude or offset your existing mortgage debt.

3

Get Pre-Approved

With your existing mortgage payment excluded or offset, you now qualify for your new home purchase. You're a competitive buyer in the market without contingencies.

4

Buy Your Dream Home

Close on your new home without contingencies. Move in on your timeline, then sell your previous home from a position of strength - no pressure, no rush.

Our Solutions

Three powerful ways to buy before you sell

White Label Program

$2,500 flat fee

Most popular & cost-effective

  • Backup contract on your current home
  • Excludes payment on conventional loans
  • Works with jumbo loans
  • VA loan compatible (certain cases)
  • No percentage fees on sale price
  • Available in 49 states
Learn More

In-House Bridge Loan

Custom rates

Access your equity immediately

  • Tap into your home equity quickly
  • Use funds for down payment
  • Flexible repayment terms
  • Competitive interest rates
  • Fast approval process
  • Seamless integration with purchase
Learn More

Niche Loan Programs

Variable based on loan

Specialized loan solutions

  • Exclude or offset departing primary debt
  • Specialized qualifying programs
  • Non-traditional loan solutions
  • Flexible underwriting options
  • Tailored to unique situations
  • Expert guidance throughout
Learn More

Compare the Cost: Us vs. Competitors

Home Sale Price Example
Competitor Cost
Our Cost
$300,000 Home
$7,200 + fees
$2,500
$500,000 Home
$12,000 + fees
$2,500
$750,000 Home
$18,000 + fees
$2,500
Your Savings
2.4% of sale price
Save up to $15,500!

Success Stories

Real clients, real results

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"We thought we'd have to sell our home first and risk losing the perfect house for our growing family. Cornerstone's white label program let us buy our dream home without any contingencies. We saved over $12,000 compared to other programs!"

SM

Sarah & Michael T.

Scottsdale, AZ • Upgraded to 4BR Home

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"As a real estate agent, I've seen countless clients miss out on homes because of contingencies. When it was time for me to move, I used this program myself. The backup contract strategy is brilliant - my clients love it too!"

JR

Jennifer Rodriguez

Scottsdale, AZ • Real Estate Agent

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"The bridge loan gave us access to our equity immediately. We closed on our new home in 30 days, moved in, then sold our old house for top dollar without any pressure. The process was seamless and the team was incredibly supportive."

DK

David & Karen L.

Mesa, AZ • Relocated for Work

See What Our Clients Are Saying

Real reviews from real clients, automatically updated

More Success Stories

Happy family moving into new home
Success Story: Family Upgrade
Couple celebrating in front of sold house
Success Story: Seamless Transition
Beautiful dream home exterior
Success Story: Dream Home Achieved

Latest Insights & Tips

Expert advice on buying before you sell

View All Articles

Ready to Buy Your Dream Home?

Get started with a free consultation. We'll review your situation and show you exactly how we can help.

Thank you! We'll be in touch within 24 hours to discuss your options.

By submitting this form, you agree to be contacted about our services. We respect your privacy and will never share your information.

Get in Touch

Let's discuss how we can help you transition to your dream home

Contact Information

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Mike Certo

Branch Manager
Cornerstone First Mortgage - Phoenix

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Phone

(480) 296-6513

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Email

Contact via phone for fastest response

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Primary Service Area

Phoenix Metro Area
Serving all of Arizona

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Corporate Headquarters

2655 Camino Del Rio North, #100
San Diego, CA 92108

Licensing & Disclosures

Loan Officer: Mike Certo, Branch Manager - Phoenix
Company NMLS #: 173855
Primary Service Area: Phoenix, Scottsdale, Mesa, Tempe, Chandler, Gilbert, Glendale & all of Arizona
Licensed in: 49 States (All except NY)

Equal Housing Opportunity. All loan programs are subject to credit approval and property appraisal. Not all borrowers will qualify. This is not a commitment to lend. Restrictions may apply.

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