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Chance Stevens mortgage
Move-up families · Santa Clarita Valley

Sell first or buy first? Get the sequence mapped.

Moving up is mostly a sequencing problem: what to sell, when to buy, and how not to carry two homes. Send me three numbers and I map it in writing.

Start withThree numbers: current value, payoff, target price
You getYour carry math and options, in writing
To startNo application, no credit pull
CoveredContingent offers, bridge and HELOC options, jumbo
Sound familiar?

Where most people are stuck.

01

You can't buy until you sell, and can't sell until you have somewhere to go

There are more than two ways to sequence this. The playbook walks each one with the trade-offs.

02

You locked a low rate and don't want to lose it

Options exist that leave your current loan alone while you make the move. I'll tell you which ones fit your numbers.

03

Nobody has shown you the carry math

How long you could carry both homes, what it costs, and the point where it stops making sense. In writing, before you list.

What you get

Answers in writing. No pressure.

01

Your move, mapped

Send three numbers and I reply with the sequence I'd run, the carry math, and your financing options. No pressure, no phone tag.

Map my move
02

The Move-Up Playbook

Sell first or buy first, the real equity math, contingent offers, bridge and HELOC options, and jumbo financing explained in plain English.

Read the playbook
Start here

Get your sequence mapped.

Three numbers in, a written plan out.

Get your sequence mapped, by email.

First name and email, and I’ll reply asking for the three numbers I need: current value, payoff, target price. You get the carry math and your options in writing.

Phone required — I’ll only call if you pick “Phone call.”

✓

Got it.

I read every submission myself and reply within one business day, usually same-day.

How this works

Three steps. No phone number required.

1

Tap through a few quick questions

Two minutes, no credit pull, no documents. A rough picture is all I need.

2

I write your read — personally

No algorithm, no score. A plain-English note on where you stand and the exact moves that would change it. Within one business day, usually same-day.

3

We talk only if you want to

No call unless you ask for one. If now isn't the time, the read tells you what to work on — free either way.

Common questions

Straight answers.

Can I use my current home's equity for the next down payment?

Often, yes. A HELOC or a bridge option can unlock it before you sell. Which one fits depends on your numbers and timing, which is what the mapping is for.

Can I make an offer that depends on selling my home?

Sometimes. It depends on the market and the seller. The playbook covers how contingent offers work and when a different sequence wins.

Will you tell me if waiting is the smarter move?

Yes. If the carry math doesn't work or the timing is wrong, I'll say so and tell you what would change it.

Want your real numbers?

No credit pull to start. Tell me what you're trying to do and I'll show you the payment, the cash to close and your best two or three options.

Get the guide Book