Unlock Your Next Home with ALCOVA’s Trade-In Mortgage

The Challenge of Buying and Selling at the Same Time

If you’ve ever tried to buy a new home while still owning your current one, you know how stressful the process can be. Timing the sale of your old home with the purchase of your new one can feel like walking a tightrope. Do you sell first and risk being without a place to live, or buy first and face carrying two mortgages?

This is one of the biggest roadblocks for today’s homeowners who are ready to move up, downsize, or relocate. That’s where ALCOVA’s Trade-In Mortgage comes in.

What Is a Trade-In Mortgage?

Much like trading in your car at the dealership, a Trade-In Mortgage allows you to use the equity in your current home to help finance your next one—without having to wait until your old home sells. This innovative program bridges the gap, giving you the flexibility to move forward with confidence.

Instead of juggling two mortgages or stressing over contingencies, you can move into your new home first and sell your old one afterward.

How the Trade-In Mortgage Works

Here’s a simple breakdown of the process:

1. Unlock Your Equity – ALCOVA helps you tap into the equity in your current home before it sells.
2. Buy Your New Home First – Use those funds as a down payment on your next property.
3. Sell on Your Timeline – List your old home without the pressure of rushing into a sale.
4. Settle Up – Once your previous home sells, any remaining equity is yours to keep.

It’s a smoother, more flexible way to transition into your new home.

Key Benefits of the Trade-In Mortgage

• No Double Mortgage Payments – Avoid the financial strain of carrying two homes at once.
• Stronger Buying Power – Make competitive, non-contingent offers in today’s fast-moving market.
• Less Stress, More Flexibility – Move into your new home on your own terms, without worrying about temporary housing.
• Maximize Sale Value – Take your time selling your old home for the right price instead of rushing into a quick deal.

Who Should Consider a Trade-In Mortgage?

This product is ideal if:

• You’re ready to upgrade to a bigger home.
• You’re downsizing after kids move out.
• You’re relocating for a job or lifestyle change.
• You want to take advantage of your home’s equity without feeling trapped by timing.

Why Choose ALCOVA?

At ALCOVA Mortgage, we know that buying a home isn’t just a financial decision—it’s a life decision. Our Trade-In Mortgage is designed to take the stress out of one of the toughest parts of the homebuying journey. With personalized guidance and a seamless process, we help you focus on your new chapter without the financial juggling act.

Ready to Make Your Move?

If you’re ready to buy your next home but don’t want the hassle of selling first, a Trade-In Mortgage could be your solution. Talk to an ALCOVA Mortgage Loan Officer today to learn how you can unlock the power of your equity and step confidently into your next home.