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Buy Before You Sell Programs Available in Massachusetts (Updated September 2026)

Short answer

Massachusetts has fewer options than its neighbors. As of September 2026, HomeLight Buy Before You Sell and Compass Bridge Loan Services both exclude Massachusetts, and Knock, Homeward, Orchard and Ribbon do not list it. The programs that serve a Massachusetts departing home are AFC's direct bridge loan and William Raveis Bridge.

  • HomeLight's program excludes Massachusetts, Alaska and New York
  • Compass's bridge service excludes Massachusetts, Vermont and New Hampshire
  • AFC funds Massachusetts bridges from its own fund: bridge loans in Massachusetts

Reviewed by Gaetano Ciambriello, NMLS #1783508 · Updated September 2026

See What You'd Qualify For

No SSN · No hard credit pull · ~2 minutes · NMLS #2801

Prefer to talk? Call (203) 452-9899

Every Buy Before You Sell Program We Checked for Massachusetts

We checked each company's own page in September 2026 and recorded whether it serves a departing home in Massachusetts. Programs change often, so confirm with the company before you rely on any row.

CompanyServes a MA departing home?How it worksPublished costSource (date checked)
AFC Mortgage GroupYesDirect owner-occupied bridge loan from AFC's own fund. AFC is a licensed direct lender (NMLS #2801) in Massachusetts.2.5% origination + 1% per month accruing, paid at payoff + $3,250 fees. 12-month term. No prepayment penalty.afcmortgagegroup.net/bridge-loans-ma · checked Sept 2026
HomeLight Buy Before You SellNo (excludes MA)HomeLight funds your purchase before you sell; if your home doesn't sell within 120 days, HomeLight buys it.2.4% of the departing home's sale price; 0% bridge loan.HomeLight help center; agents.homelight.com · checked Sept 2026
Compass Bridge Loan ServicesNo (excludes MA)Bridge loan offered to Compass clients through their agent. The loan is made by Notable Finance, not Compass.Not published.Compass agent program page · checked Sept 2026
William Raveis Bridge / Raveis PurchaseYesShort-term bridge loan through William Raveis Mortgage, plus Raveis Purchase for Raveis clients.Terms not published.raveis.com/mortgage/bridge · checked Sept 2026
Rocket Mortgage bridge loanOnly with a Rocket purchase loanBundled with a Rocket purchase mortgage. Not a stand-alone bridge.Up to $500K, 6-month term, 1.5% to 3% in fees.rocket.com bridge loan · checked Sept 2026
FlyhomesThrough partner loan officersExited brokerage in September 2025. Now offers buy before you sell through partner loan officers. State list not published on its page.Not published.flyhomes.com · checked Sept 2026
KnockNoKnock's Northeast departing-home states are New Hampshire and New Jersey only.n/a in MAknock.com/where-we-operate · checked Sept 2026
HomewardNoServes TX, FL, GA, NC, SC, TN, WA, OR, AZ, CO, MD and DC only.1% program fee + 1% per month Equity Unlock (where available).homeward.com · checked Sept 2026
OrchardNoOperates in 12 Sunbelt and Western metros, not the Northeast.n/a in MAorchard.com · checked Sept 2026
Ribbon (Hurst Lending)NoRelaunched by Hurst Lending in 2025. Not licensed in Massachusetts.n/a in MAribbonhome.com · checked Sept 2026
Local banks and credit unionsHELOC, not a bridgeNot individually reviewed for this table. A bank's usual tool for this situation is a HELOC, which typically has to be opened before you list. Ask your bank directly.Varies by lender.See bridge loan vs HELOC

"Serves a departing home" means the program will finance or buy out the home you are selling in Massachusetts. Several national programs let you buy in any state but only support a departing home in states on their list. Costs are as published by each company. Representative example: a $250,000 bridge loan held the full 12-month term has a 2.5% origination fee ($6,250), $3,250 in attorney, processing and wire fees, and $30,000 of interest at 1% per month, for a total cost of credit of $39,500 and an APR of about 16.4%. Paying off early costs less; there is no prepayment penalty and no minimum interest.

What This Means in Massachusetts

The two national programs that cover Connecticut and Rhode Island, HomeLight and Compass, both carve Massachusetts out. For most Massachusetts homeowners, that leaves a brokerage program (William Raveis, terms not published), a HELOC opened before listing, or a direct bridge lender.

AFC is licensed in Massachusetts and funds owner-occupied bridge loans from its own fund. Two Massachusetts examples already on our site: a Westport, MA homeowner moving to Tennessee with a $390,000 bridge funded 7 business days after approval, and an $825,000 bridge in Watertown, MA.

Questions to Ask Any Buy Before You Sell Program

  • Do you serve a departing home in Massachusetts, or only the purchase?
  • Is the cost a percentage of my home's value, or of what I actually borrow?
  • Is there a monthly payment while my home is listed?
  • What happens if my home doesn't sell by your deadline? Is there a buyout, and at what price?
  • Do I have to use your agent or your mortgage for the new home?
  • Who actually makes the loan, and what is their NMLS number?

Related: How to buy before you sell in Massachusetts · Bridge loans in Massachusetts · Knock alternative in Massachusetts · Homeward and Orchard alternative in Massachusetts · Bridge loan vs HELOC in Massachusetts · AFC Bridge Loan Report

Buy Before You Sell in Massachusetts: FAQ

Can I buy a house before selling mine in Massachusetts?
Yes. In Massachusetts the common routes are a bridge loan against your current home, a buy-before-you-sell program that serves Massachusetts, a HELOC opened before you list, or a home sale contingency. Which one works depends on your equity, your timeline and whether the seller will accept a contingent offer.
Which buy before you sell companies operate in Massachusetts?
As of September 2026, the programs that list Massachusetts for the departing home are AFC Mortgage Group and William Raveis Bridge. Rocket offers a bridge only with a Rocket purchase loan, and Flyhomes works through partner loan officers without a published state list.
Is Knock available in Massachusetts?
No. As of September 2026, Knock's list of departing-home states includes New Hampshire and New Jersey in the Northeast, not Massachusetts. You can buy in any state with Knock, but the home you are selling has to be in a state on its list.
Is Homeward or Orchard available in Massachusetts?
No. Homeward serves TX, FL, GA, NC, SC, TN, WA, OR, AZ, CO, MD and DC, and Orchard operates in Sunbelt and Western metros. Neither lists Massachusetts.
How much do buy before you sell programs cost?
Published pricing varies in structure. HomeLight charges 2.4% of the departing home's sale price. Homeward charges a 1% program fee plus 1% per month for Equity Unlock. AFC charges 2.5% origination plus 1% per month on the amount borrowed, paid at payoff, plus $3,250 in fees. Raveis, Compass and Flyhomes do not publish pricing.
Is HomeLight Buy Before You Sell available in Massachusetts?
No. As of September 2026, HomeLight lists Massachusetts, Alaska and New York as states where Buy Before You Sell is not available.

Buy Your Next Home Before You Sell in Massachusetts

AFC funds owner-occupied bridge loans in Massachusetts from its own fund. See what you'd qualify for in about 2 minutes.

See what you qualify forRun the bridge numbers

Prefer to talk? Call (203) 452-9899.

AFC Mortgage Group, LLC · NMLS #2801 (NMLS Consumer Access) · Equal Housing Lender · Licensed in AL, CA, CT, FL, GA, MA, NH, NJ, NY, NC, SC, OH, RI, VT, PA, TN, TX. This site is not approved by the New York Department of Financial Services. Not a commitment to lend; all loans subject to credit and collateral approval. Nothing on this page is legal advice.

Bridge Loan Disclosures — AFC Mortgage Group, LLC

AFC Mortgage Group, LLC offers short-term bridge loans secured by a recorded lien on real estate (your current home, the new property, or both). These are secured real-estate loans — not unsecured personal or consumer loans.

No Prepayment Penalty & No Minimum Interest

There is no prepayment penalty and no minimum interest. Interest is charged only for the time your loan is actually outstanding — pay it off early and you only pay interest for the days you used the money.

Representative Example

A bridge loan of $250,000 with a 12-month term: interest accrues at 1% per month (12% annually) and is paid at payoff rather than monthly; a 2.5% origination fee ($6,250) plus approximately $3,250 in attorney, processing, and wire fees are charged at closing. Held the full 12 months, that equals an Annual Percentage Rate (APR) of approximately 16.4% — total interest of $30,000 and total cost of credit of approximately $39,500, plus repayment of the $250,000 principal at maturity (balloon). Because there is no prepayment penalty or minimum interest, paying off earlier costs less — e.g., a payoff at 6 months accrues roughly $15,000 in interest instead of $30,000.

Most bridge loans are paid off within a few months: on the same $250,000 loan paid off at 3 months, total interest is approximately $7,500, for a total cost of credit of roughly $17,000 (the $6,250 origination and $3,250 in fees are unchanged) — less than half the full-term figure. The approximately 16.4% APR above is calculated on the required 12-month basis; your actual cost depends on how long the loan remains outstanding.

Terms at a Glance

AFC Mortgage Group, LLC — licensed mortgage lender. NMLS #2801, licensed in MA, CT, RI, NH, VT, NJ and 11 other states. Equal Housing Opportunity. Rates, terms, and fees are examples only and vary by loan size, LTV, credit, and market conditions. Not a commitment to lend; all loans subject to credit and collateral approval.