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TradeMyHome™ Program — Buy First. Sell for Top Dollar. Zero Interest.

TradeMyHome™ Program

Buy Your Next Bay Area Home Before You Sell Your Current One.

Most homeowners can't get a new loan while paying their current one. This program solves that — and removes the 'I need to sell first' condition from your offer.

  • Qualify for your new loan — even while paying your current mortgage
  • Buy first, move in, then sell
  • Up to $350K² interest-free to use as your down payment
  • Write a clean offer — no 'I need to sell first' condition
  • Your old home sells — guaranteed at 101% of fair market value¹
4.9 stars across 515 Google, Zillow & Realtor.com reviews

Find Out How Much You Can Unlock

0 / 2,000

Takes 30 seconds. Then book your free 15 Min call.

  • 101%Guaranteed sale price¹
  • $350K²Interest-free down payment assistance
  • 30 Days⁵Typical time to sell your old home

What Is the TradeMyHome™ Program?

The TradeMyHome™ program is a Bay Area real estate solution designed to break the most frustrating cycle in homeownership: the catch-22 of needing to sell before you can buy, but not wanting to sell until you know where you're going. It lets you buy your next home first — with a non-contingent offer — while your current home is still on the market.

Here's how it works in plain terms. We unlock up to $350,000 of your existing home equity before your current home sells. You use that equity as your down payment on the new home. You move in. Then we sell your old home — and we guarantee the sale at 101% of market value. No contingencies. No double moves. No temporary housing.

In the Bay Area, where sellers routinely receive five or more offers in a single weekend, a contingent offer — one that says "I need to sell my home first" — is almost always passed over. Sellers don't want to wait. They don't have to. The TradeMyHome™ program eliminates that contingency entirely, putting you in the same position as a cash buyer without requiring you to actually have cash on hand.

This is different from a bridge loan. A bridge loan is a short-term debt product — typically at 8–12% interest — that you take on in addition to your existing mortgage. You're carrying two loans simultaneously, under time pressure, with fees that can reach $15,000 or more. The TradeMyHome™ program is not a loan. It's an equity advance: interest-free, with no double mortgage payments, and no risk of being forced to accept a low offer on your current home just to meet a deadline.

The program is available to Bay Area homeowners across Santa Clara, San Mateo, Alameda, Contra Costa, and Marin counties. Whether you're upsizing, downsizing, relocating within the Bay Area, or making your first move-up purchase, TradeMyHome™ is built around one goal: letting you move on your terms, not the market's.

"You save money. You close faster. And you never have to rush your sale to make it work."

Who Is TradeMyHome™ For?

The program works best for homeowners with $200,000 or more in equity who want to move but don't want a rushed sale. It's a good fit for:

  • Move-up buyers who want to upgrade before they sell
  • Downsizers who need to buy before they can sell
  • Bay Area homeowners who can't afford a gap between homes
  • Families who don't want to move twice or stay in a rental
  • Buyers who lost out on homes because of a sale clause

Why the Bay Area Makes This Especially Important

In most U.S. markets, a contingent offer is a minor inconvenience. In the Bay Area, it's a deal-killer. Median home prices across Silicon Valley and the East Bay mean that even a modest move-up purchase involves hundreds of thousands of dollars in equity — equity that's locked inside your current home until it sells. The TradeMyHome™ program was built specifically for this market dynamic.

Our team has helped hundreds of Bay Area families navigate this exact challenge. The result is a program that's faster, cheaper, and less stressful than any alternative — and the only one that comes with a guaranteed sale price on your current home.

One Program. Three Reasons to Move.

Upsizing, downsizing, or moving — the steps are the same. Buy first. Move once. Sell guaranteed.

01Upsizing

Ready for more space?

Your family has outgrown your current home. You need more bedrooms, a bigger yard, a better school district. The problem: your down payment is locked inside your current home. TradeMyHome™ unlocks it — so you can buy the bigger home first, move in, then sell your old one at 101%.

  • You need more space but can't buy until you sell
  • You've lost offers because of a sale contingency
  • You want to move into the right home — not just the available one
02Downsizing

Ready to right-size?

Your home is too big for where you are in life. You want to free up equity, cut monthly costs, and move somewhere that fits today. The catch: you need to sell to fund the next purchase — but you don't want to sell until you know where you're going. TradeMyHome™ solves that.

  • You want to move to a smaller home, condo, or 55+ community
  • You don't want to move twice or stay in a rental in between
  • You want to sell at full value — not under deadline pressure
03Relocating

Moving to or within the Bay Area?

New job. New school. New chapter. You need both sides handled on your timeline. Your next Bay Area home gets secured first. Your current one sells at 101%.

  • You're moving to the Bay Area from out of state
  • You have a hard deadline — job start, school year
  • You want the buy and the sale handled as one move

The Competitive Edge

Why 'No Conditions' Wins Every Time

Most buyers have to say: 'I'll buy your home — but only after mine sells.' Sellers hate that. It means the deal might fall apart, and they'd have to start over. So they say no, even if your price is higher. With TradeMyHome™, the money is already in your account before you write the offer. You walk in with no conditions. Sellers say yes.

73%
of Bay Area sellers turn down offers with conditions
2–3×
more likely to win when your offer has no conditions
$0
interest on the money we advance you

Here's Exactly What Happens — Step by Step

You move once. The rest gets handled. Here's the full picture from your first call to your final closing.

  1. Week 1–2
    1

    Your numbers get reviewed

    Your current home's value gets checked. The amount you qualify for gets calculated. You walk away with a written plan — how much gets advanced, what your new home budget looks like, and a clear yes or no. No obligation.

  2. Week 2–4
    2

    The down payment goes into your hands

    Up to $350,000² from your current home's value gets advanced — interest-free. That money becomes your down payment. You now have cash in hand and can make an offer with no conditions.

  3. Week 4–8
    3

    You make a strong offer and win

    Your offer has no 'I need to sell my house first' clause. Sellers love that. You compete like a buyer who already has the money — and win homes that other buyers lose.

  4. After you move in
    4

    Your old home gets sold for you

    Once you're settled in your new place, your old home gets listed. Photos, ads, open houses — everything it takes to sell fast and for top dollar. You don't lift a finger.

  5. Guaranteed
    5

    You get at least 101% — or it gets bought¹

    Your old home sells for at least 101% of its fair market value.¹ If it doesn't sell in time, it gets bought outright. You never pay two mortgages.

See How Much Equity You Can Unlock

In one free call, we'll show you exactly how much equity you can access, what your new home budget looks like, and how the TradeMyHome™ guarantee protects your sale — no obligation.

Book My Free 15-Min Call

No obligation. 100% confidential.

How TradeMyHome™ Stacks Up

See how it stacks up. Every other way Bay Area owners try to move is in the chart.

Move into new home before sellingTradeMyHome™
Offer with no conditions attachedTradeMyHome™
Zero interest on the money advancedTradeMyHome™
Guaranteed sale price on your old homeTradeMyHome™
Never pay two mortgages at onceTradeMyHome™
Move only once — no temporary housingTradeMyHome™
One team handles everythingTradeMyHome™

Is This Program Right for You?

Check the boxes that sound like you. If three or more fit, this program was made for your situation.

  • You own a Bay Area home and have built up equity (usually $200K or more)
  • You want to move to a bigger home, a smaller home, or a new area
  • You've lost out on a home — or worry you will — because you need to sell first
  • You can't afford to pay two mortgages at the same time
  • You don't want to move twice or live in a hotel or rental in between
  • You want to know exactly what you'll get for your home — no guessing
No obligation
No upfront cost
Cancel anytime before you sign

Check 3 or more? You likely qualify. Book a free call to find out how much can be advanced.

Book My Free 15-Min Call

Real Bay Area Homeowners. Real Results.

These are real families who moved first and sold guaranteed — just like you can.

  • Upsizing with school-age kids

    “Fremont to Cupertino is a big move. Both sides got handled. We never paid two mortgages. Zero stress.”

    Wei & Jing C.

    Wei & Jing C.

    Cupertino, CA

    Sold in 11 days · 103% of asking price
  • Downsizing after retirement

    “We used the program to move to a bigger home in Santa Clara. The interest-free help made it work. The team really knows their stuff.”

    David & Lisa T.

    David & Lisa T.

    Santa Clara, CA

    Zero days paying two mortgages
  • Relocating for a new job

    “We sold our old home. We moved into our dream home. No stress. The $350K down payment help made it real for us.”

    Arjun & Meena S.

    Arjun & Meena S.

    San Jose, CA

    Both homes closed in 47 days

The real cost of other options

What You Lose When You Try to Do This Yourself

Most owners don't know how much they lose when they tap savings or sell under pressure. TradeMyHome™ uses the value already in your home. It costs nothing extra.

  • Selling stocks to get cash15–23% gone to taxes⁴

    When you sell stocks that have gone up in value, the government takes a cut. In California, that can be 15–20% federal plus 13.3% state. Sell $200K of stock and you might only keep $135K–$150K after taxes.⁴

  • Taking money from your 401(k) earlyUp to half your money gone⁴

    If you're under 59½, pulling from your 401(k) costs a 10% penalty plus income tax. In California, you could lose up to half of every dollar you take out. A $100K withdrawal might only put $50K in your pocket.⁴

  • Selling your home firstMove twice + months of rent

    Selling first means finding a place to stay, putting your stuff in storage, and moving twice. That can cost $10K–$30K in rent, storage, and moving fees. And you're buying your next home under a time crunch.

  • Bank down payment assistance8–12% interest every year

    Going to a bank for down payment help on your own usually means paying 8–12% interest from day one. You also have to qualify for two loans at the same time. On $350K, that's up to $42K per year.

This program uses your home's value. No taxes. No fees. No double moves.⁴

Common Questions

Everything Bay Area homeowners ask before getting started.

About the Program

TradeMyHome™ lets you buy your next home before you sell your current one. You get up to $350,000² for a down payment — no interest, no monthly payments. Your old home sells on the open market with a 101% price guarantee.¹

The Money
Do I Qualify?
The Process

Further Reading

The TradeMyHome™ Guarantee

YOUR HOME SOLD GUARANTEED FOR 101% MARKET VALUE OR WE'LL PAY THE DIFFERENCE — AND IF IT DOESN'T SELL, WE'LL BUY IT FOR CASH!**

Still have questions?

Ready to move into your next home — without selling first?

Book My Free 15-Min Call
Or call us:408.740.7400

Cities We Serve Across the Bay Area

CampbellCupertinoDublinFremontGilroyHaywardLathropLivermoreMilpitasMorgan HillMountain HouseNewarkPleasantonSan JoseSanta ClaraSunnyvaleTracyUnion City
Your Home Sold Guaranteed Realty logo

TradeMyHome

Your Home Sold Guaranteed Realty | TradeMyHome — helping Bay Area homeowners break the real estate catch-22: buy first with the TradeMyHome™ program, sell guaranteed, and move with confidence.

"YOUR HOME SOLD GUARANTEED FOR 101% MARKET VALUE OR WE'LL PAY THE DIFFERENCE — AND IF IT DOESN'T SELL, WE'LL BUY IT FOR CASH!*"

Quick Links

Service Area

We serve homeowners across the Bay Area — Santa Clara County, Alameda County, and San Joaquin County. Every city has its own market dynamics. Find your local guide on our service area page.

View all cities & counties →

Contact Us

TradeMyHome

DRE# 02213637NMLS# 1984477

408.740.7400contact@TradeMyHome.comRegistered378 Oleander Drive, San Jose, CA 95123Client meetings5201 Great America Pkwy, Suite 320, Santa Clara, CA 95054

*, ¹ Guaranteed Home Sale & TradeMyHome™ Program: Agent, buyer, and seller must agree on price and terms. 101% market value guarantee is based on a mutually agreed-upon comparative market analysis. If the home sells for less than 101% of the agreed fair market value, the difference will be paid by the agent up to a maximum of the agent's commission on the transaction. Subject to program qualification, property condition, and market eligibility. Terms, conditions, and qualifications apply.

² TradeMyHome™ Down Payment Assistance: Up to $350,000 in interest-free assistance is subject to program qualification, credit approval, property eligibility, and available inventory. Terms, conditions, and qualifications apply.

³ First-Time Home Buyer Program: The $100,000 savings guarantee represents estimated total program savings across purchase price negotiation, mortgage rate, lender incentives, and fee reductions — not savings on the purchase price alone. Actual savings vary by transaction. Mortgage rate match guarantee and buy-back guarantee are subject to program qualification, lender participation, property eligibility, and applicable timelines. Off-market property access is not guaranteed and depends on current inventory. Terms, conditions, and qualifications apply.

⁴ Love Your Home Guarantee (New Construction): If you are not satisfied with your new construction home purchase, we will repurchase the property within 24 months of close of escrow. Buyback price is determined by a mutually agreed-upon comparative market analysis at the time of repurchase and is not guaranteed to equal the original purchase price. Applicable to homes purchased through our builder partner network only. Subject to program qualification, property condition, market eligibility, and lender approval. Terms, conditions, and qualifications apply.

⁴ Tax Disclaimer: Any references to taxes, tax implications, or tax-related costs on this website are for general informational purposes only and do not constitute tax advice. We are not tax consultants, CPAs, or tax attorneys. Every person's tax situation is different. Please consult a qualified tax professional before making any financial decisions.

⁵ Close Timeline: Typical close timelines are based on recent program results and local market conditions. Actual timing varies by property, pricing, market activity, and buyer demand. Timeline is not guaranteed and may be shorter or longer depending on conditions at the time of listing.

⁶ Statistics based on MLS and internal transaction records. Individual results may vary.

⁷ Financing Features: TradeMyHome is not a mortgage lender. Financing products, lender incentives, rebates, rate match guarantees, zero closing cost offers, and free refinancing options are offered exclusively through independent third-party lending partners and are subject to lender approval, borrower eligibility, credit qualification, program availability, and applicable regulations. Terms, conditions, and qualifications apply.

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Sharad GuptaDRE# 02213637NMLS# 1984477Your Home Sold Guaranteed Realty | TradeMyHome

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