Your Home Details

$
Use recent comparable sales or online estimates
$
Include all liens, HELOCs, and outstanding balances
Second Lien
(keep existing mortgage)
Takeout Loan
(pay off existing mortgage)
$
$
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*This calculator provides estimates only and does not constitute a loan offer. Actual loan terms and approval are subject to underwriting and qualification requirements.

Your Buy Now, Sell Later Benefits

Available Equity

$0

Your Equity Access Amount

$0
Standard Program (up to 65% CLTV)
$0
$0 65% CLTV
$0 95% CLTV
Current CLTV: 0%
Standard Program Benefits (up to 65% CLTV):
• 1.5% origination fee
• 9.99% interest rate
• No monthly payments (interest deferred)
Higher LTV Loan Program
You've selected an amount that qualifies for our higher LTV program (up to 95% CLTV). This program offers higher loan amounts with a different fee structure including higher origination fees and some upfront costs.

Down Payment Needed

$0

Remaining Cash After Down Payment

$0

Program Benefits

No Monthly Payments - Payments Deferred

Access your equity immediately with zero monthly payments due during the entire program period.

Write Non-Contingent Offers

With cash in hand from your unlocked equity, write clean offers without sale contingencies.

Flexible Sale Timeline

Take up to 9 months to sell your current home at full market value - no pressure to rush.

Save Money on Moving Costs

Move directly from your current home to your new one - no temporary housing, storage fees, or double moves.

Customize Comparison Details ▼

Click to adjust cost assumptions for your market and situation

Cost Comparison: Your Three Options

OPTION #1
Sell First		 OPTION #2
Contingent Offer		 OPTION #3
Buy Now, Sell Later
Time 170+ Days 90+ Days Your Timeline
Cost $0 $0 $0
Stress Level High High Low
Other Move twice, risk losing dream home Weak and rushed negotiating position Easy process, empowers agent and buyer

Turn Contingent Offers Into
Non-Contingent Offers "Like Cash"

Your buyer doesn't have to offer contingent. With our Buy Now, Sell Later program, they can unlock their equity and come back with an offer as good as cash.

Step 1: The Problem
EQUITY TRAPPED MORTGAGE
Equity Is Locked Up
Buyer needs to sell first. That's the contingency.
Step 2: Unlock Equity
EQUITY UNLOCKED MORTGAGE
Equity Becomes Cash
No monthly payments. Cash in hand in days.
Step 3: Cash Offer
$ NON-CONTINGENT
Offer as Good as Cash
Non-contingent. Sell old home on their timeline.

Your Seller Gets a Stronger, Cleaner Deal

Less risk. Faster close. No waiting on the buyer's home to sell.

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thekatalystteam@ethoslending.com
thekatalystteam.com
Scenario Traditional Bridge Loan Our Buy Now, Sell Later Program
Monthly Payments Pay additional bridge loan payments No additional monthly payments
Offer Strength May still need sale contingency Clean, non-contingent offers
Sale Timeline Pressure High pressure to sell quickly 9 months to sell at your pace
Purchasing Power Both mortgage payments count against your debt-to-income ratio Existing payment removed from qualification calculations
Equity Requirements Typically 20%+ equity required Flexible equity requirements