8 Bridge, HELOC, and Contingency Questions Move Up Buyers Don’t Know to Ask

Move-up buyers in San Antonio are not simply buying a home. They are managing two simultaneous transactions with layered financial decisions, competing timelines, and coordination dependencies that require the right questions to be asked before any commitment is made rather than after a transaction is underway and the options for adjusting course have narrowed. The questions most move-up buyers ask center on which home to buy next and what they can sell the current one for, but the questions that most directly determine whether the transition goes smoothly involve the financing bridge between the two transactions, specifically how equity is accessed before the current home closes, what different bridge tools actually cost, and what the backup plan looks like if the expected timeline does not materialize as planned. Tami Price, REALTOR®, a San Antonio real estate professional and Air Force veteran with nearly two decades of local market experience, notes that the move-up buyers who experience the smoothest transitions are almost always those who resolved these eight questions before either transaction was initiated rather than discovering them mid-process when the answers were harder to act on.

For homeowners in San Antonio, Schertz, Cibolo, Helotes, Converse, and Boerne who are planning a move-up purchase, the eight questions below represent the financing, timing, and contingency dimensions of the transaction that are less prominently discussed than the real estate selection but are often more consequential to the transition's financial outcome. Working through all eight before any offer is submitted or listing is initiated produces a strategy that accounts for the scenarios that most commonly create stress in move-up transactions rather than encountering them as surprises when the clock is already running.

Why Do These Eight Questions Define the Quality of Every Move-Up Transaction in San Antonio?

The move-up transaction's complexity comes from the fact that the buyer's ability to purchase the next home depends on the current home's equity, while the timing of when that equity is available depends on when the current home closes, and that closing timeline is influenced by how the current home is priced and prepared, what the market is doing in that specific segment, and what financing bridge is in place to handle any gap between the two closings. Each of these dependencies feeds into the others, and a weakness in any one of them cascades through the entire coordinated plan. The eight questions below address each dependency specifically rather than leaving any one of them to assumption or chance.

San Antonio's 2026 market conditions, with more balanced inventory across most price ranges and more negotiating leverage available to buyers than the peak years provided, create a context in which the move-up transition can be planned more deliberately than the urgency of the peak market allowed. That deliberate planning opportunity is most valuable when it is used to resolve the financing and contingency questions that the eight items below address.

1. How Will You Access Your Equity Before Your Current San Antonio Home Sells?

The assumption that accumulated equity is immediately usable as a down payment for the next purchase is one of the most common planning misconceptions among move-up buyers, because equity that exists on paper in the current home is not converted to cash until that home closes. In the meantime, a buyer who needs the current home's equity to fund the next down payment has a coordination challenge that requires a defined financial bridge, and the quality of that bridge determines how much flexibility the buyer has in timing the next purchase relative to the current home's sale.

The three primary mechanisms for accessing equity before the current home sells are a bridge loan, a home equity line of credit, and relying on cash reserves that do not depend on the current home's proceeds. Each mechanism has different qualification requirements, cost structures, and timeline implications:

• A bridge loan is a short-term product secured by the current home's equity that provides the cash needed for the next down payment while the current home is marketed, typically with higher interest rates than conventional financing and a repayment requirement that triggers when the current home closes
• A HELOC accessed before the current home is listed provides a revolving line of credit drawn against the current home's equity at typically lower rates than bridge financing, though qualification requires that the home is not yet under a sale contract in most cases
• Cash reserves that do not require the current home's proceeds eliminate the bridge financing cost entirely but require that the buyer has sufficient savings outside of home equity to cover the next down payment and closing costs

Identifying which mechanism is available and appropriate for the specific financial situation before any search activity begins is the foundation that makes the rest of the move-up plan buildable rather than dependent on assumptions that may not hold under real market conditions. For a comprehensive framework on buying and selling at the same time in San Antonio, that resource covers the full coordination approach across all three financing mechanisms.

2. What Are the True Total Costs of a Bridge Loan Versus a HELOC for a San Antonio Move-Up?

The headline comparison between bridge loans and HELOCs is typically framed as a rate comparison, with HELOCs generally carrying lower rates than bridge products. While rate is an important variable, it is not the only cost difference between these two tools, and buyers who evaluate only the rate without considering total cost including origination fees, draw fees, minimum draw requirements, and the specific repayment structure under different sale timeline scenarios sometimes select the wrong tool for their situation despite appearing to make an informed choice based on the rate comparison.

Bridge loans carry origination fees typically ranging from one to two percent of the loan amount, higher interest rates reflecting the short-term and higher-risk nature of the product, and structured repayment requirements that create predictable but firm financial obligations during the overlap period. HELOCs often have lower or no origination fees, variable rates tied to benchmarks that can change during the draw period, minimum draw requirements that may force the borrower to carry a balance larger than needed, and closure provisions that require full repayment if the property is sold during the draw period. Understanding these total cost differences in the context of the specific buyer's overlap timeline, the amount of equity needed, and the probability of different sale timing scenarios produces a more accurate cost comparison than the rate differential alone provides. A lender consultation specifically focused on the move-up buyer scenario, evaluated against the specific financial situation rather than as a generic product comparison, produces the most reliable guidance on which tool serves the specific situation best.

Q: Is a HELOC always cheaper than a bridge loan for a San Antonio move-up buyer?

A: Not always. A HELOC's lower rate advantage must be evaluated alongside its variable rate risk, minimum draw requirements, and the qualification constraint that it typically must be established before the home is listed for sale. A bridge loan's higher rate may produce lower total cost if the overlap period is shorter than the break-even point of the HELOC's total cost structure, or if the HELOC qualification requires a draw larger than the amount actually needed, generating unnecessary interest cost. The comparison requires both products to be modeled against the specific equity amount, the expected overlap timeline, and the sale timing probability rather than evaluated at the headline rate level.

3. What Happens to the Move-Up Plan if Your San Antonio Home Doesn't Sell on the Expected Timeline?

The extended sale timeline scenario is the risk that most consistently causes move-up transactions to become financially stressful, and it is the risk that most buyers do not plan explicitly for because the more optimistic timeline feels more likely at the moment of planning. If the current home sits significantly longer than anticipated, the buyer may be responsible for two full housing payment obligations simultaneously, the bridge financing cost accumulates beyond the amount budgeted, and the pricing adjustment needed to accelerate the sale reduces the equity available for the next purchase in ways that may affect the affordability of the next home. Understanding this cascade before it occurs, and establishing the specific responses to each scenario in advance, is the preparation that converts a potential crisis into a managed situation.

The most effective protection against the extended sale timeline scenario is accurate initial pricing based on current comparable sales and honest market analysis rather than aspirational pricing that leaves room to reduce later. A home that is priced accurately from day one generates the showing activity that produces offers within a timeline that can be planned around, while a home that starts overpriced and requires a price reduction accumulates days on market and ultimately sells for less, under more financial pressure, than the same home priced correctly from the beginning. For San Antonio sellers navigating pricing strategy in the current market, that resource covers the data-driven approach that most reliably produces the expected sale timeline rather than the extended one that the move-up financial plan did not account for.

4. Should You Buy First or Sell First in San Antonio's 2026 Market?

The buy-first versus sell-first sequencing question is one of the most consequential strategic decisions in a move-up transaction, and it is the one that most directly affects both the financial risk exposure and the operational complexity of the transition. There is no universal answer, but there is a right answer for each buyer's specific situation based on the equity position, lender qualification, market dynamics in the relevant segments, risk tolerance, and timeline flexibility. Applying the wrong sequencing strategy to a specific financial situation consistently produces the kind of mid-transaction complications that the right sequencing would have prevented.

Buying first provides destination certainty before the selling stress begins and eliminates the temporary housing gap that selling first sometimes creates, but it requires the financial capacity to carry both obligations simultaneously if the current home does not sell within the expected window. Selling first provides financial clarity and eliminates the overlap payment risk, but it requires either a negotiated leaseback, a temporary housing bridge, or significant flexibility in the purchase timeline. In San Antonio's more balanced 2026 market where contingent offers are accepted more readily than during the peak years and where inventory gives buyers more options to evaluate deliberately, the sell-first approach is more operationally manageable than it was during the compressed peak-market environment. Buyers whose equity is the primary funding source for the next down payment have a different sequencing answer than those with sufficient savings or financing flexibility to carry both obligations temporarily, and the lender qualification conversation is the most reliable way to determine which category applies before any sequencing decision is made.

Q: How do I decide whether to buy first or sell first when moving up in San Antonio in 2026?

A: Complete a lender dual-qualification analysis before making the sequencing decision, because the lender's assessment of whether you qualify with both mortgage obligations simultaneously is the most important financial input to the sequencing choice. If the analysis confirms dual qualification with adequate reserves, buying first is available as an option and can be evaluated against selling first based on risk tolerance and operational preference. If dual qualification requires stretching reserves to an uncomfortable level, selling first is the more financially appropriate path regardless of the operational inconvenience it creates. Making this determination before any offer is submitted or listing is initiated prevents mid-transaction discoveries that the buyer is committed to a sequencing strategy the finances cannot support.

5. How Strong Is Your Contingency Offer in the Current San Antonio Market?

A home sale contingency protects the buyer from the financial risk of owning two homes simultaneously but creates a competitive disadvantage relative to non-contingent offers, and the degree of that disadvantage in any specific situation depends on the target property's competitive dynamics, the buyer's current home's state of preparation and listing readiness, and the terms and timeline of the contingency structure. Sellers evaluating a contingent offer are assessing the probability and speed of the contingency resolution, and buyers whose current home is already listed, accurately priced, and in showing-ready condition present a much more compelling contingency than those whose home has not yet been prepared for market.

Specific factors that improve a contingent offer's competitiveness in San Antonio's 2026 market include having the current home listed or formally ready to list at the time of offer submission, which signals to the seller that the contingency resolution is imminent rather than indefinitely pending, presenting a strong pre-approval that demonstrates the buyer is financially qualified independent of the contingency, structuring a short contingency period that limits the seller's uncertainty exposure, and offering otherwise clean contract terms that minimize other sources of transaction complexity. In the more balanced 2026 market where sellers have more motivation to work with contingent buyers than during the peak years, a well-structured contingency offer can be competitive in situations where it would have been categorically unacceptable during the compressed inventory environment. An experienced agent can evaluate the specific competitive landscape for each target property and recommend whether a contingency offer is realistic and how to structure it most effectively.

6. Should Your Current San Antonio Home Already Be Listed Before You Make a Move-Up Offer?

In most cases, having the current home listed before submitting a contingent offer on the next property materially strengthens the offer's competitive position, because a listed home with active market exposure represents a contingency that is already partially resolved rather than one that has not yet been initiated. Sellers who are evaluating contingent offers want evidence that the contingency will be satisfied within a defined timeline, and a home that is already listed at an accurate price with professional marketing in place provides that evidence in a way that a home that has not yet been prepared for market cannot.

The practical implications of this sequencing guideline for move-up buyers include timing the listing preparation to allow the current home to go live shortly before or simultaneously with the offer submission on the next home, ensuring that the list price on the current home reflects current market data rather than aspirational pricing that would undermine the contingency's credibility, and coordinating the marketing launch with the offer timeline so that the current home's showing activity can be reported to the target property's seller as evidence of genuine buyer interest. Buyers who submit contingent offers on properties they want before their current home is ready to list sometimes find that the seller declines the contingency as too speculative, while those who have done the preparation work and have an active listing find the contingency negotiation significantly more productive. For guidance on what to expect during a pre-listing consultation, that resource covers how to prepare the current home for the most compelling listing presentation in the shortest possible preparation window.

Q: What happens if I submit a contingent offer and the seller receives a non-contingent offer while my contingency is pending?

A: This scenario is addressed through a kick-out clause, which is a common provision in contingent purchase agreements that allows the seller to continue marketing the property and, upon receiving a non-contingent offer they wish to accept, notifies the contingent buyer and provides a defined window, typically 48 to 72 hours, to remove the contingency and proceed as a non-contingent buyer or release the contract. Contingent buyers who receive a kick-out notice must assess whether their financial position supports removing the contingency and accepting the overlap risk, or whether releasing the contract and continuing the search is the more appropriate response given the current state of the current home's sale.

7. How Will Appraisals Affect Both the Sale and the Purchase in a Move-Up Transaction?

Move-up buyers are managing two separate appraisal processes in the same transaction period, and a problem with either one can cascade into the other in ways that create coordination challenges the buyer did not anticipate. On the selling side, a home priced above what current comparable sales support carries appraisal gap risk that, if it materializes, forces renegotiation with the buyer, reduces the net proceeds available for the next purchase, and potentially disrupts the timing of the coordinated transition. On the buying side, a purchase contract price that exceeds what the target property's comparable sales support creates an appraisal gap that the buyer must cover, negotiate, or exit, and the resolution must occur within the timeline constraints that the coordinated move-up plan depends on.

The proactive management of appraisal risk on both sides requires that the agent analyze comparable sales for both the current home's list price and the proposed contract price on the next home before either transaction is initiated, identifying where appraisal risk exists and calibrating the pricing and offer strategy to minimize it. On the selling side, this means pricing the current home within the range that recent comparable sales support rather than testing higher and hoping the buyer's appraiser will follow. On the buying side, this means comparing the proposed contract price against available comparables before submitting the offer and including appraisal contingency protection in the contract if meaningful gap risk exists. For VA buyers navigating the buying side of a move-up with VA financing, the appraisal gap question carries additional significance because the VA loan structure means the gap cannot be bridged through reduced down payment in the same way conventional financing allows.

8. What Is Your Specific Backup Plan if the Two Transaction Timelines Don't Align?

Even well-coordinated move-up transactions encounter unexpected timeline shifts, and the buyers who navigate those shifts with the least disruption are those who identified their backup options before the transactions began rather than developing them reactively when a delay or misalignment has already created pressure. Builder completion delays, buyer financing complications in the current home's sale, inspection-period negotiations that extend the option period, and appraisal issues on either side are among the most common sources of timeline disruption in coordinated move-up transactions, and each one deserves a defined response plan that was evaluated in advance rather than improvised when the disruption occurs.

Specific backup options that deserve explicit evaluation and preparation before either transaction is initiated include:

• Leaseback arrangements negotiated with the buyer of the current home, which allow post-closing occupancy at a daily rate while the next purchase finalizes, representing the lowest-cost bridging option when buyers are willing to accommodate it
• Temporary furnished housing options near the target area that can be secured at defined cost without requiring advance deposit if the need arises, eliminating the uncertainty of finding acceptable short-term housing under pressure
• Extended closing period provisions negotiated into the next purchase contract that provide defined additional time for the current home's sale to complete before the buyer must close on the purchase
• Bridge financing pre-qualification established in advance so that if temporary overlap becomes necessary, the financing is already approved and ready to draw rather than requiring a new application under time pressure

Buyers who establish these options in advance, even if they ultimately do not need them, consistently report more confidence throughout the transaction and better decision quality when disruptions do occur than those who address each complication only when it arrives and the decision-making quality is degraded by urgency.

Expert Insight from Tami Price

The move-up transaction is one of the most financially complex situations in residential real estate, and the eight questions in this guide represent the dimensions of that complexity that most consistently become unexpected complications when they are not addressed proactively. Bridge financing access, total cost comparison between liquidity tools, extended sale timeline planning, sequencing strategy, contingency offer strength, listing readiness timing, dual appraisal management, and backup plan preparation are all dimensions that deserve explicit resolution before any commitment is made on either side of the transaction. Tami Price, REALTOR®, a USAF veteran and San Antonio real estate professional with nearly two decades of local market experience, builds every move-up buyer consultation around this framework because she has seen the consequences, across both sides of many coordinated transactions, of each of these questions being answered reactively rather than proactively.

Her approach to move-up representation starts before either transaction is active, with an honest evaluation of the financial bridge options, market conditions in both the selling and buying segments, contingency strategy, and backup plan preparation that gives the homeowner a complete picture of what the coordinated transition actually involves. That preparation is what produces the confidence that allows move-up buyers to execute decisively when the right opportunity presents itself rather than hesitating because the financial and operational foundation was never clearly established.

"Move-up buyers come to me focused on the homes," says Tami Price, REALTOR®. "I redirect that energy toward the eight questions that determine how smoothly the transition goes, because finding the right next home is much easier than managing a poorly planned financial bridge or a contingency offer that was not competitive enough to win the home once we found it. The preparation conversation is where the outcome of the whole transaction is really decided."

Recognized as a RealTrends Verified top real estate agent in San Antonio, a 15-time Five Star Professional Award winner, and the recipient of more than 650 five-star reviews, Tami Price serves move-up buyers and sellers across San Antonio, Schertz, Cibolo, Helotes, Converse, and Boerne.

Three Key Takeaways

1. Accessing equity before the current home closes requires a defined financial bridge, and the quality of that bridge, whether a bridge loan, HELOC, or cash reserves, determines how much flexibility the move-up buyer has in timing the next purchase relative to the current home's sale. Buyers who identify the specific bridge mechanism available to their situation and model its total cost across different sale timeline scenarios before any transaction is initiated consistently make better-informed sequencing and offer decisions than those who assume the equity will be accessible without a specific plan for how it gets there. The lender conversation that clarifies this access mechanism should happen before the home search begins rather than after a specific property creates urgency.
2. The contingency offer's competitive position depends more on the current home's listing readiness and pricing accuracy than on the wording of the contingency terms, because sellers evaluate the contingency's probability of resolution rather than its legal structure. Buyers who have their current home listed, accurately priced, and in showing-ready condition at the time of the contingency offer submission present a materially stronger contingency position than those whose home has not yet been prepared for market. This is the preparation investment that most directly improves contingency offer competitiveness in the current San Antonio market.
3. Backup plan preparation, including leaseback arrangements, temporary housing options, extended closing provisions, and bridge financing pre-qualification, is the insurance that makes coordinated move-up transactions resilient to the timeline disruptions that consistently occur in a meaningful percentage of real estate transactions. Buyers who establish these options in advance, even when they ultimately do not use them, consistently navigate disruptions with less financial and emotional stress than those who address each complication only when it arrives. The preparation cost of establishing backup options is negligible compared to the value of having them immediately available when the unexpected occurs.

Frequently Asked Questions

Q. What is the difference between a bridge loan and a HELOC for a San Antonio move-up buyer?

A. A bridge loan is a short-term product secured by the current home's equity that provides the cash needed for the next down payment while the current home is marketed, typically with higher interest rates and origination fees reflecting its short-term and higher-risk nature. A HELOC is a revolving line of credit secured by the current home's equity at typically lower rates, but it must generally be established before the home is listed for sale and carries variable rate risk during the draw period. Both provide access to equity before the current home closes, but they differ in cost structure, qualification requirements, and the timing constraints that determine which is accessible in a specific situation.

Q. How long does it typically take to get a bridge loan or HELOC approved for a San Antonio move-up transaction?

A. Bridge loan approval timelines vary by lender but typically range from one to two weeks for a straightforward application with complete documentation. HELOC approvals from most lenders require two to four weeks in standard processing, though some lenders offer expedited programs. Buyers who anticipate needing either product should begin the application process well before any contract is expected to be executed rather than initiating it under the deadline pressure of an active transaction, because the qualification and approval processes are more thorough and accurate when conducted without urgency.

Q. Can I get a HELOC after my current home is already listed for sale in San Antonio?

A. Most lenders will not approve a new HELOC once the property securing it is listed for sale, because the pending sale removes the lender's security interest in the property's continued equity position. HELOC establishment must typically be completed before the listing agreement is signed, which means buyers who are considering this bridge option need to complete the application and approval process before the listing preparation window rather than treating it as an option that remains available after listing. Buyers who discover this constraint after the home is already listed must evaluate bridge loan alternatives or cash reserve strategies rather than HELOC access for the overlap period.

Q. How does a kick-out clause work in a contingent offer in San Antonio?

A. A kick-out clause allows the seller to continue marketing the property after accepting a contingent offer and, upon receiving a non-contingent offer they wish to accept, provides the contingent buyer with a defined notification and response window, typically 48 to 72 hours, to either remove the contingency and proceed as a non-contingent buyer or release the contract and recover the earnest money. The kick-out clause balances the seller's interest in continued market exposure against the contingent buyer's interest in a defined opportunity to compete for the property if a competing offer arrives. Understanding this mechanism before submitting a contingent offer allows buyers to plan their response in advance rather than under the time pressure of the kick-out notification window.

Q. What is a leaseback and how does it help move-up buyers in San Antonio?

A. A leaseback is a post-closing arrangement where the seller of the current home remains in the property as a tenant for a defined period, typically 30 to 60 days, while the next purchase finalizes. It bridges the gap between the two closings and eliminates the need for temporary housing when selling first, representing the most cost-effective bridging option when buyers are willing to accommodate it. Leaseback terms including daily rate, security deposit, and liability provisions should be negotiated explicitly rather than left vague, and the arrangement should be formally incorporated into the contract rather than agreed verbally after closing terms are otherwise finalized.

Q. How should I price my current San Antonio home when I am also trying to coordinate a move-up purchase?

A. Accurate initial pricing based on current comparable sales is more important in a coordinated move-up context than in a standalone sale because the current home's sale timeline directly affects every other element of the move-up plan. Overpricing creates extended days-on-market count that disrupts the coordinated timeline, forces a price reduction that reduces equity available for the next purchase, and weakens the contingency offer position by presenting a home that the market has not responded to. The pricing discipline that produces a sale within the expected timeline is the single most effective risk management tool in the coordinated move-up strategy. For detail on pricing a San Antonio home to sell, that resource covers the data-driven approach that produces the most reliable sale timeline.

Q. Can I use my VA loan benefit to buy the next home while still holding the current San Antonio home with a VA loan?

A. In many cases, yes. VA entitlement may be sufficient for a second VA loan while the prior loan is still active, depending on the remaining entitlement available and the loan amount required for the next purchase. A VA-experienced lender can review the entitlement position and advise on what is available without requiring the San Antonio property to be sold first. Understanding the entitlement situation before initiating either transaction allows the move-up plan to be built around an accurate picture of the VA benefit's availability rather than an assumption that may not hold under the specific circumstances.

Q. What should a San Antonio move-up buyer do if both appraisals in the coordinated transaction come in below contract price simultaneously?

A. Simultaneous appraisal challenges on both sides of a move-up transaction are rare but represent one of the most stressful scenarios a coordinated transaction can encounter, because each gap requires resolution while the other transaction is still pending and the timeline pressure of both is active simultaneously. The response to each gap is evaluated independently using the same framework that applies to a standalone appraisal gap, including renegotiation, buyer cash contribution, or contract exit, and the resolution of the selling-side gap should be confirmed before proceeding with the buying-side gap resolution to ensure that the equity available for the next purchase is accurately known. Buyers who have established bridge financing or cash reserves adequate to cover one side's gap while the other is being negotiated have more flexibility than those whose financial plan depends on both transactions closing at contract price.

The Bottom Line

Move-up buyers in San Antonio are managing a level of transaction complexity that individual buyers and sellers never encounter, and the quality of the outcome depends almost entirely on the quality of the preparation that precedes the transactions rather than on the market conditions those transactions happen to encounter. The eight questions in this guide address the financing access, cost comparison, timeline risk, sequencing strategy, contingency positioning, listing readiness, appraisal management, and backup planning dimensions that most consistently determine whether a move-up transition in San Antonio goes smoothly or becomes a stressful exercise in reactive problem-solving.

Homeowners who resolve all eight of these questions before any listing activity or offer submission begins consistently achieve better financial outcomes, experience less transaction stress, and execute their move-up with the confidence that comes from a plan built on complete information rather than optimistic assumptions. The preparation is not extensive. It is a structured conversation with both a lender and an experienced agent that takes a few hours and produces a plan that guides every subsequent decision in both transactions.

Homeowners in San Antonio, Schertz, Cibolo, Helotes, Converse, and Boerne who are ready to work through these eight questions with real data for their specific equity position, financing options, and market conditions are encouraged to book a consultation before any transaction activity begins so that the financial bridge, sequencing strategy, and backup plan are in place before any commitment is required.

Contact Tami Price, REALTOR® | San Antonio, TX

Tami Price, REALTOR®, serves move-up buyers and sellers across San Antonio, Schertz, Cibolo, Helotes, Converse, and Boerne with nearly two decades of local market experience and specialized expertise in coordinated move-up transactions, bridge financing strategy, contingency offer positioning, and simultaneous closing coordination.

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Tami Price's Specialties

• Buyer and Seller Representation
• Military Relocations and PCS Moves
• VA Loan Guidance
• New Construction
• First Time Home Buyers
• Move Up Buyers
• Downsizing and Rightsizing
• Strategic Pricing and Market Analysis
• San Antonio, Schertz, Cibolo, Helotes, Converse, and Boerne

Disclaimer

This blog is for informational purposes only and does not constitute legal, financial, or real estate advice. Financing options, lender qualification requirements, market conditions, and contingency practices are subject to change. Individual circumstances vary. Readers should consult qualified professionals, including a licensed lender and real estate agent, before making real estate or financial decisions. Tami Price, REALTOR®, is licensed in Texas and affiliated with Real Broker, LLC. Fair Housing principles apply to all content.