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What if you could find and buy a new home without selling your current one first?
No moving twice.
No extra mortgage.
Just move in.
Move into your new home when you’re ready. We'll take care of your home sale while you start settling into your new place.
With HomePass™, we get your home list-ready with no upfront cost or interest. Your listing agent markets your home to get you top dollar. Cha-ching.
Move into your new home. At the same time, we'll prep your old home for sale. Don’t worry about a thing.
We fix up your home, price it smartly, and list it on the market. When it sells, you get the proceeds.
Q4 2021 Customer Satisfaction
Rated 4.9/5 Based on 1417 reviews
2022 Bankrate Awards
Unlike traditional home buying and selling, you won’t make any offers contingent on the sale of your current home. Move First allows you to buy your new home and move in before you sell your current one. You'll shop for homes, find one you love, then make a strong, non-contingent offer to buy it. With Move First, you move in right away and skip home showings while we prep and list your current home. Then sell it for top dollar.
To use Move First, you must be pre-qualified. The home you're selling cannot be currently listed and must be a single-family home built between 1920 - 2020 in one of the areas listed below.
It’s easy. Just set up a chat. We’ll cover everything you need to know about taking the next steps.
After we get you pre-qualified for Move First, our friends at Orchard will help you find your home. You’ll have a dedicated Orchard Home Advisor who can show you all potential homes in your city that fit your desired criteria, including Orchard-owned homes. You can still use Move First without buying an Orchard-owned home.
We can also help you buy a new construction home. By removing the home sale contingencies, we line up the timing of your home sale with the purchase of your new one.
There’s no additional fee to use Move First. Both Lower and Orchard earn revenue on the real estate and mortgage transaction, just like a traditional agent and lender.
Tour any home on the market with your Orchard Home Advisor. When you're ready to submit an offer, we’ll help you make a strong offer to buy it. You can move in right away and we’ll take care of listing your home.
Move First lets you access the equity from your current home even before it’s listed. After a home assessment, you’ll know your instant equity amount, which you can use to pay down your current mortgage and make a down payment on your new home.
When you move into your new home, you’ll take care of standard costs like maintenance and utilities. If your financing is delayed, we’ll buy the house with cash, just as promised. Then, we’ll continue working with you to complete your financing to buy the home back.
Before you start shopping for homes, we’ll pre-approve you for a mortgage so you know what you can afford to buy.
We’ll also help coordinate the closing process. A few days before you are scheduled to close on your new home, we’ll purchase your current home to unlock your equity. That way, you can roll it over into your new home purchase. By lining up both closings perfectly, you’ll avoid double moves and double mortgages.
We’re confident our team will help you find a home you love, but if for any reason you don’t find your next home, or if your circumstances change, you'll have the option to terminate your agreement with us. If you decide to rent instead or buy a home outside of your metro area and still need to sell your home, you can still list your home with us.
You’ll first pay off any remaining mortgage balance on your current home with your instant equity. When you move into your new home, you’ll work directly with us to pay your mortgage on that property. There are never any double mortgage payments with Move First.
Yep. Over 99% of our customers sell well before the end of their 120-day listing period. But, if your home hasn’t sold within 4 months, you keep your instant equity amount and just enjoy your new home. Even if we can’t sell your old home for more than your instant equity amount, you won’t pay anything back—we’ll take the loss.
When you accept an offer for your current home, Orchard helps coordinate a smooth closing process between you and the new buyer, which takes 30-45 days on average.
When your home sells, you will pay closing costs similar to a traditional sale. On average, closing costs are around 1% of the sale price of your home. We’ll give you more specifics once you begin the closing process.
Abby Farber, our loan advisor, was amazing! First time homebuyers and everything went smoothly. She was always available to answer any questions we had. Our first home purchase was a great experience because Abby cares and she helped us through the process
I initially was only searching for a price range my fiancé and I could afford. Then immediately after filling out the information Emily from Lower contacted me and from the start she was so amazing and professional! Answered all my questions even if I repeated some! Definitely took care of everything we needed. And worked around my work schedule to contact us and let us know new details about things. Very considerate about timing and very helpful with everything! She’s amazing! Definitely would recommend her and Lower to everyone I know!
We worked with Ben Rosenthal to complete our mortgage contract quickly and with great satisfaction. We were most concerned about getting the best interest rate possible and with Low**.com we did, choosing them out of about five lenders we shopped. Ben also worked to direct us towards other ways to save money on closing. We appreciate needing less burdensome documentation and being able to upload all that electronically at our convenience. Ultimately the process was streamlined and simple.
"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."
"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."
The process was so easy. It was also easy to upload all the required documents to the portal. Jake was available and answered all my questions promptly. I was approved in just a few days.
"Quick and Simple. These are qualities we all need when trying to accomplish a new home purchase amidst our daily obligations. Austin and his team at Lower went far beyond my expectations in assisting me with moving into my new home. I am in a customer experience line of work myself and I’m convinced Austin COULD NOT have made this any easier for me. I’ll be back for my next one!"
"This was our 8th mortgage closing and it was by far the easiest!! We had never done a virtual closing and it was smooth as silk from the comfort of our couch at the time of our choosing! The whole process was very easy to follow and understand."