If you’re thinking about moving in the East Bay, specifically around Walnut Creek, California, one of the most common questions we get is: Should I buy my new home before selling my current one?

At Ask Brendan, we help local buyers and sellers navigate the complex real estate market, so you can make the smartest moves. Here’s what you need to know about buying before selling—and the best protocol to get you into your next home with less stress.

Why Buying Before Selling Is Usually Better

The short answer? Buying before you sell is almost always the better option. Why? Because it’s a lot easier to sell an empty house. When your home is vacant, it shows better, buyers can envision themselves living there, and it often sells faster.

But we get it—sometimes it’s not that simple. Many homeowners in California rely on the equity in their current home to afford the next one. So how do you buy first if your cash is tied up in your current property?

Options When You Need Equity to Buy First

Here are two popular financing options for East Bay homeowners looking to buy before selling:

1. Get a Home Equity Line of Credit (HELOC)

If you have significant equity in your current home—typically at least 25%—you might qualify for a HELOC. This is a line of credit that lets you borrow against your home’s value. You can use that money to put a down payment on your next home while your current one is still on the market.

2. Get a Bridge Loan

Another option is a bridge loan. This loan bridges the gap between buying your new home and selling your old one. The lender gives you the cash to purchase your new house, and once you sell your existing home, you pay off the loan.

Keep in mind, bridge loans can be tricky—availability depends on the current lending environment, interest rates, and the economy. They come and go, so it’s not always a guaranteed solution.

Why Professional Guidance Is Key

Whether you’re leaning toward saving cash first, getting a HELOC, or exploring a bridge loan, the best thing you can do is talk to a knowledgeable Walnut Creek real estate agent early in the process.

With years of experience in the East Bay real estate market, the 5 Star Team understands your unique situation and can guide you through your options. We work closely with trusted lenders and financial experts to help you create a plan that fits your goals.

Final Thoughts

Buying and selling a home in Walnut Creek and the East Bay is a big deal, and the timing can make all the difference in your success and peace of mind. While buying before selling is often ideal, there are financial tools that can help when it’s not so straightforward.

If you want to learn more about buying before selling, or need help figuring out the best approach for your real estate journey, message me or the 5 Star Team anytime. We’re here to help you make smart moves in the California real estate market.