06 · Buy & Sell at the Same Time

Buying and selling at the same time.

We make selling and buying at the same time feel easy. We do that by managing the choreography for you and guiding every decision around your comfort level and your goals. Two transactions, two contracts, two timelines, two attorneys, two inspections — we run all of it on one calendar, so you only have to make the choices that are actually yours to make. Done this way, with someone who has run this play many times, it feels calm and confident from the first conversation.

We don’t guess our way through this. We choreograph it. Long before either home goes on the market, we map the sequence: when you list, when you offer, what contingencies stay in, what financing options keep you flexible, and what your fallback looks like if the perfect timing slips by a week. The goal is not just to make the math work. It is to make it feel calm.

It is also the moment where having one team on both sides really matters — because no one cares about the seam between your sale and your purchase the way the people running both of them do.

Most buy-and-sell clients tell us afterward that the calmness surprised them. Not because the work was easy — it wasn’t — but because the calendar was decided in advance, the contingencies were written for them not against them, and the calls they expected to get at the worst moments never came. That is the work, made invisible.

What we do for you

The work, itemized.

Representation isn’t a feeling. It’s a list of decisions made on your behalf, in the right order, at the right moment.

Our role on your behalf
  • One team, one calendar. The sale and the purchase run in lockstep on a single timeline. The listing date, the offer dates, the inspection windows, the financing milestones, the closings — all of it is scheduled before anything goes live. You see the whole map on one page.
  • Contingencies, written carefully. Home-sale contingencies, mortgage contingencies, kick-out clauses, escrow holdbacks, and the bridge option if it’s warranted. The wrong language in a contingency can quietly cost you the house or the sale. We write them so they protect you in both directions.
  • Pricing the sale to actually move. The temptation in buy-and-sell is to test the market on the sale. Don’t. We price the listing to clear within the window that supports your purchase — not to chase a number that lets your next home get away.
  • Smart negotiation on both sides of the seam. Price on the sale, terms on the purchase, possession dates that line up, rent-backs that protect against gaps, and concessions that move at the right time. The seam is where money is won or lost.
  • Coordinated closings. Attorneys, lenders, title, movers, utilities, insurance — all sequenced so the keys change hands in the right order, on the right day, with no overlapping carry. The two closings often happen the same week. Sometimes the same day. Sometimes the same hour.
  • A real Plan B, mapped early. Rent-backs, short-term housing, storage, bridge financing — sketched and priced before you sign anything. If the perfect timing slips, you don’t scramble. You execute the alternate plan that was already on the page.
Common situations we see

What this actually looks like in practice.

No names, no case studies — just the patterns we recognize before you finish describing them.

The simultaneous close

You want the keys to your new home on the same day you hand over the keys to your old one. No double-paying, no temporary housing, no storage unit.

This is achievable more often than agents will tell you. It takes coordinated attorneys, lenders aligned on the timing, and a possession clause that does most of the work. We’ve closed back-to-back on the same morning more times than we can count.

The contingent-offer market

You can’t buy without selling. The market you’re buying in doesn’t love home-sale contingencies.

There is a craft to writing a contingent offer that doesn’t get tossed in the first round. The kick-out language, the time limits, the way the offer is presented, the comp work that backs up the sale-price assumption — all of it matters. We’ve gotten contingent offers accepted in markets where agents told the seller not to consider them.

The bridge-or-rent-back call

Your sale closes a week after your purchase needs to close. You don’t want to take out a bridge loan if you can avoid it.

Most of the time, you can. A negotiated rent-back — sometimes free, sometimes priced at the seller’s daily carry — covers the gap without the cost of bridge financing. We know how to ask for it and what to give up to get it.

Questions you should be asking

The smart questions to ask before you hire anyone.

If an agent can’t answer these clearly, that itself is an answer.

Which closes first — the sale or the purchase?

Most often the sale closes first, and the purchase follows the same day or within a few days. This avoids carrying two homes, two mortgages, and two sets of utilities. But the order depends on the contracts, the buyers and sellers on both sides, and your liquidity. We sequence it deliberately, not by default.

What is a kick-out clause and do I want one?

A kick-out clause is language inside a home-sale contingency that lets the seller continue marketing the property and bump your contingent offer if a non-contingent buyer arrives. As the buyer making a contingent offer, you usually have to accept some kick-out language to be considered. The work is in how long the bump-notice period is, what you can do to remove the contingency if it triggers, and how the deposit is protected. The details matter.

Can I avoid carrying two mortgages at once?

Usually yes — through simultaneous close, rent-back, or careful sequencing. Sometimes no — if the markets on each side move differently and the timing simply doesn’t cooperate. When the answer is no, we want to know that early, while there are still options, not at the closing table.

What does a bridge loan actually do in a buy-and-sell?

It lets you buy before you’ve sold by lending against the equity in your current home for a short period. It is usually six to twelve months, carries a higher rate than a mortgage, and is retired by the sale. Bridge loans are a tool, not a default. We model them against the alternative of a contingent offer and let you decide.

What can actually go wrong — and how do you protect against it?

The most common failure modes are: the buyer of your home backs out, the sellers of your next home refuse a rent-back, financing slips on either side, or the inspection on one transaction triggers a renegotiation that throws off the other’s timing. We plan for each. The right contingency language and the right Plan B convert most of these from a crisis into a phone call.

When you’re ready

A conversation about what’s next.

A call to talk through where you are, what you’re thinking about, and what a smart, sensible next step might look like. We’ll take it from there at your pace.

— Lisa Sevajian

lisa.sevajian@exprealty.com · 978-457-3406
Top 1.5% of over 1,500,000 Realtors · Brokered by eXp Realty

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Lisa Sevajian Group · Brokered by eXp Realty · In business since 2007 · Approaching 2,000 sales
Lisa Sevajian · MA License #9500355 · Team also licensed in NH (Adrianna Leone, Alex Greenwood, John Burns, Molly Smith, Steven Wallace) · eXp Realty Boston, MA + Portsmouth, NH
Equal Housing Opportunity. We comply with the Fair Housing Act.