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Move up with a smart mortgage strategy

When you are buying your next home, the stakes are higher. You may be selling, using equity, managing other debts, or planning around a growing family or a changing career. MTG Home Loans helps you upgrade with a strategy instead of a guess.

Align your next home with your long-term plan

We help you think through:

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Timing your sale and purchase

Explore options such as buying before you sell, using a bridge-style solution, or timing both closings carefully.

How much equity to apply to your purchase

Find the right balance between monthly payment, savings, and future flexibility.

Loan structure and term

Compare different terms and loan types so you can decide whether to focus on payment, long-term interest cost, or speed to payoff.

Loan officer meeting with a client in an office

Loan options for repeat buyers

Depending on your goals, we will look at:
  • Optimal down payment to achieve payment, reserves, and debt consolidation goals.
  • Temporary self-funded bridge options – tapping into available equity or reserves for down payment prior to proceeds from sale.
  • Purchase money second options – structuring a second lien for the down payment on the purchase while pending proceeds from the sale.
  • Buy Before you Sell options that allow equity from the current home to be used for down payment while excluding the current home from the debt to income.
We will review scenarios side by side and explain how each option affects your budget and long-term plans.
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