Buy Without Sell: When You Don't Have to Sell Your Current Home Before Buying the Next One. $104K annual income. $550K new home. 10% down. Three weeks to close. Most lenders said no — the current home was listed, but with no offer in hand. One suggested a hard money loan. But this borrower wasn't buying an investment property. They were simply moving from one primary residence to another. Here's the situation: 🏠 Current Home - Expected sale price: $450,000 - Outstanding mort