So comfy

After you move.

We sell your home.

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Skip the showings. No sale contingencies. Buy the house you want and sell later.

Move first. Sell later.

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What if you could find and buy a new home without selling your current one first?

No showings.

No moving twice.

No extra mortgage.

Just move in.

What time works for you?
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Let's get that house.

All-cash offer accepted on mobile

Become a cash buyer

Make a competitive offer on your next home, even before listing your current one. In a hot market? We can turn you into a cash buyer.

Skip the showings

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.

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Sell for top dollar

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.

How it works

It shouldn’t be this simple.

Make an all-cash offer.

Access up to 90% of your home equity before listing. We can even turn your offer into all-cash.

Avoid showings.

Move into your new home. At the same time, we'll prep your old home for sale. Don’t worry about a thing.

Sell without the stress.

We fix up your home, price it smartly, and list it on the market. When it sells, you get the proceeds.

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You’ve probably got
some questions.

What is Move First anyway?

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.

Who can buy and sell with Move First?

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. In order to use an all-cash offer, the home you want to purchase must be built after 1949.

  • Atlanta
  • Austin, TX
  • Dallas-Fort Worth, TX
  • Denver, CO
  • Houston, TX
  • Montgomery Co., MD
  • Northern Virginia
  • Phoenix, AZ
  • Portland, OR
  • Raleigh-Durham, NC
  • San Antonio, TX
  • Seattle, WA

Where do I start?

It’s easy. Just set up a chat. We’ll cover everything you need to know about taking the next steps.

What types of homes can you show me?

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.

How much does Move First cost?

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.

How does the buying process work?

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.

How does Move First let me buy before I sell?

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. In most cases, you can also qualify to make an all-cash offer. Set up an appointment to get started.

What payments do I make on my 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.

How do the mortgage and closing processes work on the home I’m buying?

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.

What if I don’t find a home I want to buy?

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.

What happens to my current mortgage payments?

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.

Is it true that you’ll buy my house even if it doesn’t sell?

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.

How does the closing process work for my home sale and are there closing costs?

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.

Don't take our word for it.

“The best experience I’ve ever had.”

Dina
5 Stars!
LendingTree

Highly Recommend

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

Vi
5 Stars!
LendingTree

Amazing Experience

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!

Jill
5 Stars!
LendingTree

Easy and Saved Money

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.

Shane
5 Stars!
LendingTree

Very Responsive

"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."

Adrian R.
5 Stars!
Zillow

Outstanding Customer Service

"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."

Jo
5 Stars!
Zillow

Excellent Customer Service!

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.

Aj
5 Stars!
Zillow

EXCEPTIONAL EXPERIENCE

"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!"

Stephanie W.
5 Stars!
Zillow

Easiest Process and Closing Ever!!

"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."

Your offer, all cash.

Need all cash?

Sellers want a guarantee, and they get it with HomePass™. No appraisal contingency. No financing contingency. Guaranteed to close. You get to finance like usual, but if it’s delayed, we’ll buy it for you in cash. It’s that easy.

Become a cash buyer
Win the bid
Finance as usual
Check it out
This is your chance

Move first with HomePass™.