Buy-before-you-sell financing

HomeLight vs. LendSure BOOST

Both programs let you buy your next home before selling your current one, so you can make a stronger, non-contingent offer. They differ in what you pay for, how long you have to sell, and who is left holding the old home if it does not sell.

At a glance

HomeLight Buy Before You Sell

A 0% equity advance on the home you are leaving, with a backup purchase if it does not sell inside the program window.

Key advantage
0% financing plus backup-purchase protection
Key consideration
A program fee based on the sale price, and a shorter sale period
Best suited for
A client who wants maximum protection against the old home not selling

LendSure BOOST

A traditional bridge loan with no monthly bridge payments and up to 12 months to sell an owner-occupied home.

Key advantage
A 12-month sale window plus no monthly bridge payment
Key consideration
Accruing interest and a balloon repayment obligation
Best suited for
A client who wants more time and flexibility to sell the old home

Term by term

HomeLight LendSure BOOST
Structure
How it works
0% equity unlock against the departing home, backed by a guaranteed purchase offer
Bridge loan that pays off the existing mortgage and cashes out equity for the new purchase
Offer you can make
BothNon-contingent purchase offer
Maximum amount
BothUp to $2 million
Maximum leverage
Up to 90% CLTV on the departing homeSubject to program requirements
Up to 75% LTV on a primary residenceLoans up to $1.5M. 65% from $1.5M to $2M.
New-home loan
Offered through participating lenders
Paired with LendSure purchase financingA standalone bridge is capped at 70% LTV, 65% in Florida.
Cost
Interest on the bridge
0%
Accrues on the bridge balanceRate is quoted per borrower.
Monthly bridge payment
BothNone
What you pay
2.4% program fee on the departing home’s final sale price2.9% in Florida. Minimums apply below a $375,000 sale price.
Accrued interest, plus loan and closing costs
What drives the cost
The value of the home being sold, however quickly it sells
Amount borrowed × rate × time outstanding
Timing and exit
Time to sell
120 days after buying the new homePer HomeLight’s current lender materials. Some partner lenders still state 90 days.
Up to 12 months for owner-occupied homes6 months for non-owner-occupied.
Repayment
From sale proceeds at closing
Balloon payoff from sale proceeds, or at maturity
If the home doesn’t sell in time
HomeLight buys it under the backup offer, keeps it on the market, and returns net proceeds after its fee and holding costs
The balloon payoff is still owed. There is no lender buyback.
Who carries the sale risk
Largely HomeLight
The borrower
Qualifying
DTI treatment
Existing-home payment can be excluded under the program structure
No departing-home payment is counted toward DTI on the new loan
Income documentation
Program-specific
Full documentation and bank-statement options

What happens if my home doesn’t sell?

This is the biggest difference between the two programs. HomeLight takes the home off your hands after a short window. LendSure gives you much longer, and the sale stays your responsibility.

HomeLight

  1. At closingYou buy the new homeHomeLight advances your equity at 0% and sets a backup purchase offer on the old home up front.
  2. Up to 120 daysThe old home is on the marketIf it sells, the proceeds repay the advance and the program fee, and the rest is yours.Per HomeLight’s current lender materials. Some partner lenders still state 90 days.
  3. Window endsHomeLight buys the homeIf it has not sold, HomeLight purchases it under the backup offer and keeps it listed with your agent.
  4. After resaleYou receive what is leftNet proceeds come back to you, less the program fee and the costs HomeLight carried while it owned the home, such as taxes and insurance.
Where that leaves you
You are not carrying two homes. HomeLight owns the old one and handles the resale.

LendSure BOOST

  1. At closingYou buy the new homeThe bridge loan pays off your existing mortgage and cashes out equity. No monthly bridge payments.
  2. Up to 12 monthsYou sell on your own timelineInterest accrues each month. When the home sells, the proceeds pay off the bridge balance and the accrued interest.6 months for non-owner-occupied properties.
  3. At maturityThe balloon comes dueIf the home has not sold, the full bridge balance plus accrued interest is payable under the loan documents.
  4. After maturityThe home is still yoursThe published BOOST materials include no lender buyback. Selling the home and repaying the loan remain your responsibility.
Where that leaves you
You have far more time to get the right price, and you keep the risk if the home still has not sold.

Confirm in the transaction documents

  • HomeLight: the exact length of the sale window for your transaction, and how the backup purchase price is calculated.
  • HomeLight: which holding and resale costs are deducted before proceeds are returned to you.
  • LendSure: what your options are at maturity if the home has not sold.

What each one costs

HomeLight charges a flat fee on the sale price, the same whether the home sells in 30 days or 120. LendSure charges interest that grows every month the bridge is open. Change the figures below to match a client’s numbers.

2.4% standard, 2.9% in Florida
Example only. Enter the quoted rate.
HomeLight program fee$19,200Same at any sale date
LendSure accrued interest$19,000After 6 months
Break-even6.1 moLendSure interest passes the HomeLight fee after this point
HomeLight program fee LendSure accrued interest Past HomeLight’s 120-day window, when the backup purchase applies
Month-by-month table

Illustration only, not a loan quote. Uses simple interest on the bridge balance. Leaves out LendSure loan and closing costs, HomeLight transaction costs, and any holding costs HomeLight deducts if it buys the home.

Which fits the client’s priorities

Points to HomeLight

  • 0% bridge interest
  • Backup purchase if the home doesn’t sell
  • Minimize interest expense
  • Reduce the risk of being stuck with the old home

Points to LendSure BOOST

  • Maximum time to sell
  • Minimize the sale-price-based fee
  • Flexibility to market the home over a longer period
  • Traditional bridge-loan structure
BothNo monthly bridge payment

Bottom line

Neither program is cheaper for every borrower. The choice is cost against risk.

“What happens if my house doesn’t sell?”

HomeLight

Pay a defined program fee in exchange for 0% financing and backup-purchase protection.

“How can I get the most time to sell my house?”

LendSure BOOST

Accept interest and a balloon obligation in exchange for a much longer period to sell.

Important. Program terms, fees, rates, eligibility, maximum leverage, timing and backup-purchase provisions change and depend on borrower and property underwriting. Base the final comparison on the actual HomeLight and LendSure term sheets for the client’s transaction.

Published program details checked October 2026 against HomeLight’s lender page, HomeLight’s program guide and LendSure’s BOOST page.