Get Pre-Approved
buy before you sell · The Villages, FL

Buy in The Villages Before Your Current Home Sells?
Let's Build the Right Plan.

Found the home you want in The Villages, but your current home hasn't sold yet?  You may have financing options that let you move forward without waiting for your sale to close.  We'll look at your income, assets, existing mortgage and expected sale proceeds to determine which options may fit your situation.

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Florida & Georgia Mortgage Broker|Conventional • FHA • VA • USDA • Jumbo • Non-QM
Stress Less Mortgage  |  Eric Eckenroth, NMLS #1263286

the timing challenge

Your Current Home Hasn't Sold.  That Doesn't Always Mean You Have to Wait.

Buying before selling comes down to more than having enough for a down payment.  We need to determine how your current mortgage affects qualification, what asses and reserves are available, and how the proceeds from your eventual sale fit into the overall plan.  The right strategy depends on your complete financial picture.

  • 01
    Qualifying With Two HomesWe'll determine whether you can qualify while carrying your current mortgage along with the payment on your new Villages home.
  • 02
    Down Payment & Available AssetsCash, investment accounts, retirement assets and other eligible funds may give you options before the proceeds from your current home are available.
  • 03
    Expected Sale ProceedsIf you plan to use equity from your current home, we'll map out when those funds become available and how that affects the purchase strategy.
  • 04
    Timing the Two TransactionsWe'll look at your expected sale and purchase timelines together, so you understand the financial impact if the two closings don't happen in the order you expected.

how it works

A Clear Plan for Buying Before You Sell

Buying before your current home sells requires the two transactions to be looked at together.  We'll review where you stand today, determine which financing options may be available, and build a plan around the time of your move to The Villages.

Review Your Current Situation

We'll start with the whole picture.

We review your current home and mortgage, income, assets, debts, expected sale proceeds, and the Villages home you want to purchase.

Evaluate Your Financing Options

There may be more than one path.

We determine how the existing home effects qualification and compare the financing strategies that may allow you to purchase before it sells.

Build the Timing Plan

Know the plan before you make the offer.

We map out the purchase, eventual sale, available funds, and potential overlap so you understand what needs to happen and when.

more than one way forward

What If Carrying Both Homes Doesn't Work?

An existing approval can be convenient, and it may be a competitive offer.  The only way to know is to compare the complete financing package.  We'll help you review the rate, points, lender fees, credits, payment, and cash to close side by side.

Hundreds of estimates reviewed

We've Compared the Numbers. A Lot.

After reviewing hundreds of mortgage estimates for buyers purchasing in The Villages, we've seen how much the details can vary from one offer to another.  Interest rate, discount points, lender fees, credits, and cash to close all matter.  That's why we compare the complete financing package, not just one number on the Loan Estimate.

“But can another lender meet The Villages' closing timeline?”

It's the most common reason buyers hesitate to compare lenders—and it's a fair question. Competitive financing and an on-time closing don't have to be mutually exclusive. We work backward from your required closing date from the very first conversation, and if we ever don't believe we can meet it, we'll tell you before you make a change, not after.

You don't have to change lenders just to compare.  Compare the actual numbers.

Your Current Loan Offer
Your Stress Less Comparison
Interest rate
The rate you were quoted
Compared across available lender options
Discount points
What you're paying to buy that rate
Compared at similar rate and point combinations
Lender fees
Itemized on your Loan Estimate
Reviewed side by side
Estimated closing costs
Your all-in figure today
Compared with the alternative
Monthly payment
What you'd pay as offered
Estimated payment compared side by side
Cash to close
What you'd bring to the table
Compared line by line
Required closing date
The date The Villages requires
We'll confirm whether we can meet it

Every figure is documented before you decide anything, and if your current lender's offer is already competitive, we'll tell you that too. We can't beat every offer or meet every closing date, and we won't pretend otherwise.

Already Approved? That's Exactly Who We Want to Talk To.

If you already have an approval and Loan Estimate, you've done the hard part.  Send it to us for a second opinion.  We'll compare the complete offer, explain any meaningful differences, and let you decide whether making a change is worth it.  No pressure.  No obligation.

Compare My Loan Estimate

Program by program

Mortgage Options for The Villages Homebuyers

Different situations call for different financing strategies.  We'll help you compare the options that fit your specific purchase, not force every buyer into the same loan.

Conventional
Flexible financing for many homebuyers.
Multiple down payment options with competitive financing for qualified borrowers; can avoid mortgage insurance with enough down.
VA
Eligible veterans, active-duty, and qualifying spouses.
VA financing may be available for eligible borrowers purchasing qualifying resale homes in The Villages. The Villages does not currently accept VA financing for its new-build home purchases.
FHA

Lower down-payment options with flexible qualification guidelines.

FHA financing may be available for qualifying borrowers purchasing eligible resale homes in The Villages. The Villages does not currently accept FHA financing for its new-build home purchases.

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Jumbo
For purchases requiring financing above conventional conforming loan limits.
Jumbo programs can accommodate higher loan amounts, with qualification requirements that vary by lender and program.
Non-QM / Alternative Income
More ways to document income and assets.
Bank-statement, 1099, asset-based and other alternative-documentation programs may help when traditional income documentation doesn't reflect the borrower's full financial picture.
Buying New Construction?

Financing options for a new home purchased directly from The Villages can differ from those available on resale properties. FHA and VA financing are not currently accepted by The Villages for its new-build home purchases, but conventional and other financing options may be available. We can help you compare the available options.

In their words

What Florida Homebuyers Say About Stress Less Mortgage

See what homebuyers across Central Florida say about working with Stress Less Mortgage.

WHO You're Working with

Local Mortgage Expertise.  Independent Advice.

Stress Less Mortgage is an independent mortgage brokerage serving Central Florida — including Belleview, Ocala, Wildwood, Lady Lake, and The Villages. Because we're independent, we're not tied to any single lender or builder. We shop your loan and lay out the whole comparison, so you can choose with clear eyes.

Led by Eric Eckenroth, the goal is simple: help you understand the numbers, weigh the real options, and move forward without the stress.

Eric Eckenroth NMLS #1263286 Eric:  Licensed in FL & GA Independent Broker

Straight answers

Frequently Asked Questions About Financing a Home in The Villages

Yes. In nearly every case you're free to choose your own lender or broker rather than the builder's or seller's default. Comparing offers lets you evaluate the rate, points, lender fees, payment and overall financing terms before deciding which lender is the best fit.

Typically, yes. Buyers are generally free to compare financing from an independent lender or mortgage broker. We can review your required closing date and current Loan Estimate so you can compare the financing terms and determine whether another option is worth considering.

It's very common. We look at your existing obligations, income, reserves, and expected sale proceeds to see how it can work and which financing structure fits your timing.

Yes, on qualifying resale homes. Eligible veterans and service members may use VA financing to purchase qualifying resale properties in The Villages, subject to VA, property and lender requirements. The Villages does not currently accept VA financing for its new-build home purchases.

Not necessarily. Several programs allow lower down payments, and some — like VA for eligible buyers — may require none. The right amount depends on the program and your goals, not a one-size rule.

The whole offer: interest rate, discount points, lender fees, estimated closing costs, monthly payment and cash needed to close. The lowest advertised rate is not necessarily the best overall financing option once the complete cost is considered.

We recommend it. A pre-approval clarifies your budget, strengthens your offer, and means you're ready to move when the right home appears — especially useful when relocating on a timeline.

Ready when you are

Already Have a Mortgage Offer?

Send us your Loan Estimate for a second opinion.  We'll compare the complete financing package so you can decide whether your current offer or another option makes more sense.

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