Move-Up Buyers & Prop 19 | Bridge Loans | East Bay

Move-Up Buyers & Prop 19 | Bridge Loans | East Bay

Prop 19 tax base transfer, bridge loans, and buy-before-sell programs for East Bay move-up buyers. Upgrade your home without losing tax benefits.

Move-Up Buyers & Prop 19

Prop 19: Transfer Your Tax Base

How the Tax Savings Work

Bridge Loans & Buy-Before-Sell

Bridge Loans

Buy-Before-Sell Programs

HELOC for Down Payment

Move-Up Strategy

Prop 19 Eligibility

Why Buy Before You Sell?

Your Timeline

Ready to Move Up?

Navigation

Contact

Upgrade to your next home without losing your property tax benefits. Prop 19, bridge loans, and buy-before-sell programs make it possible to move on your timeline.

California's Proposition 19 allows eligible homeowners age 55+, severely disabled individuals, and victims of wildfires or natural disasters to transfer their current property tax base to a new home anywhere in California. This can save thousands per year.

What if you find the perfect home but have not sold your current one? Bridge loans and buy-before-sell programs give you the buying power to move forward.

Short-term financing using your current home's equity as a down payment on your new home. You pay off the bridge loan when your current home sells. Terms typically range from 6 to 12 months.

Specialized programs that allow you to purchase a new home without selling your current one first. Some programs even cover your existing mortgage payments for several months while your old home is on the market.

Open a Home Equity Line of Credit on your current home to fund the down payment on your new purchase. This is often the fastest and most flexible option for buyers with significant equity.

Moving up in the East Bay market requires strategic planning. Here is how I help clients navigate the transition:

In a competitive market, contingent offers often get rejected. Buying first lets you make a clean, competitive offer. Bridge financing and Prop 19 savings can make the math work in your favor.

Let's calculate your Prop 19 savings and explore bridge loan options so you can buy your next home without compromise.

Senior Mortgage Advisor at serving the East Bay with over 30 years of real estate experience.

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• Loan Programs Move-Up Buyers & Prop 19 Upgrade to your next home without losing your property tax benefits. Prop 19, bridge loans, and buy-before-sell programs make it possible to move on your timeline. Prop 19: Transfer Your Tax Base California's Proposition 19 allows eligible homeowners age 55+, severely disabled individuals, and victims of wildfires or natural disasters to transfer their current property tax base to a new home anywhere in California. This can save thousands per year. How the Tax Savings Work If your current home is assessed at $400,000 and your new home costs $700,000, you keep your $400,000 tax base plus a small adjustment. You can do this up to three times in your lifetime (or unlimited for wildfire/disaster victims). The new home must be purchased within two years of selling the old home. Bridge Loans & Buy-Before-Sell What if you find the perfect home but have not sold your current one? Bridge loans and buy-before-sell programs give you the buying power to move forward. Bridge Loans Short-term financing using your current home's equity as a down payment on your new home. You pay off the bridge loan when your current home sells. Terms typically range from 6 to 12 months. Buy-Before-Sell Programs Specialized programs that allow you to purchase a new home without selling your current one first. Some programs even cover your existing mortgage payments for several months while your old home is on the market. HELOC for Down Payment Open a Home Equity Line of Credit on your current home to fund the down payment on your new purchase. This is often the fastest and most flexible option for buyers with significant equity. Move-Up Strategy Moving up in the East Bay market requires strategic planning. Here is how I help clients navigate the transition: Prop 19 Eligibility Age 55 or older at time of sale Severely disabled homeowners Victims of wildfire or natural disaster New home must be in California New home purchase within 2 years of sale Why Buy Before You Sell? In a competitive market, contingent offers often get rejected. Buying first lets you make a clean, competitive offer. Bridge financing and Prop 19 savings can make the math work in your favor. Your Timeline 1 Review current equity and Prop 19 savings 2 Get pre-approved for bridge or new purchase 3 Shop with confidence and make clean offers 4 Sell your current home and settle financing Ready to Move Up? Let's calculate your Prop 19 savings and explore bridge loan options so you can buy your next home without compromise. Plan Your Move-Up Strategy
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