Equity Forward - Northern Mortgage
Equity Forward is our buy before you sell program for Michigan buyers. It lets you use the equity from your current home toward the down payment and closing costs on your new home before your old home sells. As your West Michigan mortgage team we help you make offers that compete with cash across Michigan.
Equity Forward is a buy before you sell program for all Michigan, Florida, Indiana, and North Carolina buyers.
When a great home hits the market, the strongest offers arrive without conditions. Sellers choose the buyer who can act now.
If buying your next home depends on selling your current one, your offer is contingent. A contingent offer in Michigan reads as risk, and in a competitive market it is the first one the seller sets aside.
You have the equity. You love the house. But the condition lets another buyer walk off with it. Equity Forward is built for West Michigan buyers who want to move first and sell on their own timeline.
Equity Forward lets you use the equity from your current home toward the down payment and closing costs on your new home before your old home sells. This is a local Michigan mortgage program with a local West Michigan team, not a national portal.
Your current home equity can go toward the down payment and closing costs on your new home before your old home sells.
There is no monthly payment on the Equity Forward funds, so you can get settled without carrying an extra payment while you sell.
Once your old home sells, the Equity Forward balance gets paid off from the proceeds.
Buy your next home first and move straight in. No temporary housing. No storage unit. No second move.
With Equity Forward, the equity in your current home can help cover the down payment and closing costs on your new home before your old home sells. It is designed as a faster easier and cheaper alternative to a traditional bridge loan in Michigan.
Use equity from your current home toward the down payment and closing costs on your new home.
There is no monthly payment on the Equity Forward funds while your old home is on the market.
Once your old home sells, the Equity Forward balance gets paid off from the proceeds.
Equity Forward puts your West Michigan home equity to work with a Michigan mortgage team you can meet in person. If you are comparing a bridge loan in Michigan or watching Michigan rates we will walk through the numbers in plain language.
Most buyers shuffle between the same five moves. Here is what each one costs you when you want a cash competitive offer in Michigan.
The old way
Make a contingent offer. Sellers see risk and often choose another buyer.
The Equity Forward way
Your offer goes in with no home sale contingency.
The old way
Sell first, then buy. Sell before you find anything, and move twice.
The Equity Forward way
Buy your next home first and move straight in.
The old way
Wait for the right time. Stay on the sidelines while ready buyers win.
The Equity Forward way
Make a strong offer with no home sale contingency.
The old way
List while still living in the home. Limited staging and harder showings.
The Equity Forward way
List vacant and staged, positioned for stronger offers.
The old way
Take a bridge loan. Extra payments, and qualifying for two loans at once.
The Equity Forward way
Equity Forward is faster, easier, and cheaper than a traditional bridge loan.
Our office
We would love to meet you here and talk about your move.
This office is home to top producing loan officers serving West Michigan. When you walk in you are meeting with the team that knows this market, does the work right here, and guides you through every step of your move.
2717 84th Street SW
Byron Center, MI 49315
(616) 277-1199
Weekdays, 8:30am to 5:30pm
Straight answers about Equity Forward bridge loan options and how to buy before you sell with a West Michigan mortgage team.
Equity Forward is our buy before you sell program here in West Michigan. It lets you use the equity from your current home toward the down payment and closing costs on your new home before your old home sells. There is no monthly payment on the Equity Forward funds. Once your old home sells that balance gets paid off from the proceeds.
Equity Forward is faster easier and cheaper than a traditional bridge loan. A traditional bridge loan often means extra payments and qualifying for two loans at once. With Equity Forward you use your West Michigan home equity to move first with no monthly payment on the funds and one clear payoff when your old home sells.
Yes. Equity Forward helps you make a strong offer with no home sale contingency. That is an offer that competes with cash and gives sellers confidence in a competitive Michigan market. It is how you write a cash competitive offer without waiting to sell first.
A bridge loan from a bank or credit union often comes with a monthly payment and a separate loan to manage while you sell. Equity Forward has no monthly payment on the funds and the balance is paid from your sale proceeds once your old home sells. You also work with a local West Michigan mortgage team right here in Byron Center who knows the Michigan market.
Michigan mortgage rates move daily so this page does not show a live rate. Your rate depends on your loan your credit and your timing. Start the short questionnaire and Josh will give you a personalized Michigan rate quote with clear numbers and next steps.
No. That is the whole point of Equity Forward. You can buy before you sell in Michigan use the equity in your current home toward your new home and sell your old home after you move. You do not have to follow the old sell before you buy path in Michigan.
Prefer to talk first? Reach Josh at 616-581-0540 or josh@northernmtg.com. Ask for a personalized Michigan mortgage quote and we will run real numbers for your move.
One quick conversation is all it takes to see how Equity Forward can put your equity to work toward your down payment and closing costs and help you make a strong offer with no home sale contingency. You talk with a real person, a real team, and a real office right here in West Michigan. Ask about current Michigan rates and we will give you a personalized quote.
Prefer email? Reach Josh at josh@northernmtg.com
