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

Short answer

New Jersey has more options than the rest of the region. As of September 2026, five programs serve a departing home in New Jersey: AFC's direct bridge loan, Knock, HomeLight Buy Before You Sell, Compass Bridge Loan Services (for Compass clients) and William Raveis Bridge. Homeward and Orchard do not list New Jersey, and Ribbon is not licensed there.

  • Knock serves New Jersey, one of only two Northeast states on its list (with New Hampshire)
  • HomeLight and Compass both cover New Jersey
  • AFC funds New Jersey bridges from its own fund: bridge loans in New Jersey

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 New Jersey

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

CompanyServes a NJ 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 New Jersey.2.5% origination + 1% per month accruing, paid at payoff + $3,250 fees. 12-month term. No prepayment penalty.afcmortgagegroup.net/bridge-loans-nj · checked Sept 2026
HomeLight Buy Before You SellYesHomeLight 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 ServicesYes, Compass clientsBridge 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
KnockYesNew Jersey is on Knock's list of states where it serves the departing home.Published on Knock's site (see source).knock.com/where-we-operate; knock.com/bridge-loan · 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 NJorchard.com · checked Sept 2026
Ribbon (Hurst Lending)NoRelaunched by Hurst Lending in 2025. Not licensed in New Jersey.n/a in NJribbonhome.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 New Jersey. 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 New Jersey

Of the four states we cover here (CT, MA, RI, NJ), New Jersey is the only one where Knock serves the departing home. That makes the choice a real comparison rather than a process of elimination: a program fee charged as a percentage of your home's sale price (HomeLight), Knock's own published terms, or a bridge loan priced on what you borrow (AFC). See Knock vs AFC in New Jersey for a side-by-side.

The right answer depends on how much you need to borrow and how fast your home is likely to sell. If you need a small amount relative to your home's value, a loan priced on the amount borrowed tends to cost less. If you want a buyout backstop, a program with a buyout feature may be worth its fee.

Questions to Ask Any Buy Before You Sell Program

  • Do you serve a departing home in New Jersey, 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 New Jersey · Bridge loans in New Jersey · Knock vs AFC in New Jersey · Homeward and Orchard alternative in New Jersey · Bridge loan vs HELOC in New Jersey · AFC Bridge Loan Report

Buy Before You Sell in New Jersey: FAQ

Can I buy a house before selling mine in New Jersey?
Yes. In New Jersey the common routes are a bridge loan against your current home, a buy-before-you-sell program that serves New Jersey, 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 New Jersey?
As of September 2026, the programs that list New Jersey for the departing home are AFC Mortgage Group, HomeLight Buy Before You Sell, Compass Bridge Loan Services (for Compass clients), William Raveis Bridge and Knock. 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 New Jersey?
Yes. New Jersey is on Knock's published list of states where it serves the departing home, as of September 2026.
Is Homeward or Orchard available in New Jersey?
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 New Jersey.
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.
Knock or a bridge loan in New Jersey: which costs less?
It depends on the amount you need and how long your sale takes. Program fees are often charged on your home's value, while AFC's bridge is priced on the amount borrowed: 2.5% origination plus 1% per month, paid at payoff, plus $3,250 in fees. Compare the published terms for your own numbers before you choose.

Buy Your Next Home Before You Sell in New Jersey

AFC funds owner-occupied bridge loans in New Jersey 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 NJ, CT, MA, RI, NH, VT 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.