Expert Guidance for Equity-Rich Homeowners

Move Up Without Missing a Beat

Unlock the equity in your current home and buy your next one with confidence, timing, and strategy.

You’ve done this before, but that doesn’t mean it’s simple. At Couch Home Loans, we specialize in helping homeowners transition smoothly from one house to the next. Whether you’re upgrading, downsizing, or relocating, we guide you through selling your current home and securing the right loan for your new one. With expert advice, flexible options, and a team that truly understands the process, Couch makes moving feel less like a hassle and more like a fresh start.

We’ll Deliver The Best-Fit Home Loan for Your Financial Picture

  • Bridge Loans

    Access equity from your current home before it sells to use as a down payment.

  • HELOCs & Cash-Out Options

    Tap equity while staying in place, then use proceeds for your next purchase.

  • Contingent Approval Strategies

    For those needing to sell before they buy, we offer structured contingency support.

  • Buy Before You Sell Programs

    Through partners and private lenders, we enable you to make non-contingent offers.

  • DSCR Loans

     Investment property loans based on rental income, not your personal income.

  • Recast-Friendly Loans

    Use a small down payment now, then recast your mortgage once your old home sells.

We Make Your Equity Work Harder — So You Don’t Have To.

  • Equity Unlock Strategies — We offer bridge loans, recast options, and creative financing for equity-rich homeowners.

  • Buy Before You Sell Solutions — Avoid contingencies and move on your timeline with flexible pre-sale options.

  • Proven Track Record — We've helped hundreds of families move-up without financial strain or temporary housing.

  • Expert Coordination — We collaborate with your agent to align your sell-and-buy timeline for seamless transitions.

FAQs for Your Next Home Move

  • Not necessarily. We offer several programs that let you tap into your home’s equity before it sells. We’ll help you compare options.

  • If you use a bridge loan or short-term equity product, we structure repayment around the sale. We also offer recasting options to lower your future monthly payment after your current home sells.

  • We’ll evaluate your financial profile to determine if you qualify for non-contingent financing or work with a partner that can buy your home upfront.

  • Yes. With the right financing, you can stay in your current home until your next one is ready. We specialize in creating that flexibility.

  • We build in contingencies, timelines, and protections to ensure you’re not stuck carrying two mortgages longer than needed. You’ll never go it alone.