What you need to know: Your clients who need to sell before they can buy often lose out to non-contingent offers. EasyPath eliminates the sale contingency for $2,500, letting your buyers compete with cash offers while giving them 180 days to sell their current home. Here’s how to identify good candidates and position this option.

The Problem You See Every Day

You’re showing homes to a qualified buyer. They find the one. Then: “We need to sell our house first.”

You know what happens next. Either they make a contingent offer and lose to cleaner competition, or they list their current home first and hope the timing works out. Neither path is ideal.

The real cost isn’t just the lost deal. It’s the stress on your clients, the wasted showings, and the risk that they settle for a less desirable home because they couldn’t move fast enough.

How EasyPath Changes the Conversation

EasyPath uses a guaranteed purchase contract to eliminate the sale contingency. Here’s the structure:

  • Client applies for EasyPath. We verify 25%+ equity in their current home.
  • An investor signs a binding contract to purchase their home within 180 days.
  • This contract lets lenders exclude the current mortgage from DTI. Your client qualifies for the new home without carrying two mortgages.
  • Your client makes a non-contingent offer. No sale contingency. No financing contingency drama.
  • They buy the new home first. Then list their current home without pressure.
  • They sell within 180 days and keep 100% of proceeds. If the home doesn’t sell, the investor buys at the guaranteed price and your client gets 90% of net profits when resold.

What This Means for Your Clients

Without EasyPathWith EasyPath
Contingent offer (often rejected)Non-contingent offer
Pressure to sell fast180 days to sell
Showing while living thereShow empty or staged
May accept below-market offersNegotiate from strength
Risk of being homeless betweenMove once, directly

What This Means for You

  • More closings. Clients who couldn’t compete before now can. That move-up buyer who’s been “waiting for the right time” can finally act.
  • Smoother transactions. Buyers who’ve already secured their purchase are calmer sellers. No desperate price cuts. No last-minute panics.
  • Two transactions instead of one (or zero). When your client buys before selling, you often handle both sides or at least secure the listing.
  • Differentiated service. Most agents don’t know this option exists. You can offer something your competition can’t.

Identifying Good Candidates

High-probability EasyPath candidates:

  • Own their current home with 25%+ equity
  • Want to buy in a competitive market or hot neighborhood
  • Have income that supports the new mortgage (once current payment is excluded)
  • Are nervous about selling first because they don’t want to miss their target home

Questions to ask:

  • “How much do you think you owe on your current home?” (You’re checking equity)
  • “Have you looked into whether you can qualify for both mortgages?” (You’re identifying DTI issues)
  • “What’s your biggest concern about the timing of all this?” (You’re uncovering their real hesitation)

Red flags (may not qualify):

  • Less than 25% equity (we have alternative solutions but they work differently)
  • Current home needs significant work before it can sell
  • Major title issues or liens

The Conversation Script

When a client says: “We love this house but we need to sell first.”

You can say: “There’s actually a program that lets you buy this home first, then sell your current place with 180 days to do it. It costs $2,500 flat and removes your current mortgage from the qualification equation. Want me to connect you with the lender who offers it so they can run your numbers?”

When a client says: “We’ve been outbid three times because our offers are contingent.”

You can say: “What if your next offer had no contingency? There’s a program that guarantees your current home sells, which lets the lender exclude it from your debt ratios. You’d be making the same kind of clean offer that’s been beating you. Interested in seeing if you qualify?”

Positioning Against Alternatives

EasyPath vs. Homeward, Knock, or similar programs:

EasyPath costs $2,500 flat. Homeward charges 2.5-3.5% of home value. For a $750,000 home, that’s $2,500 vs. $18,750-$26,250. The structure is similar, but the cost isn’t.

EasyPath vs. Traditional bridge loans:

Bridge loans charge 10%+ interest throughout the holding period. A 6-month bridge on $300,000 in equity costs roughly $15,000 in interest alone, plus origination fees. EasyPath costs $2,500 total with 0% interest.

EasyPath vs. Contingent offers:

In competitive markets, contingent offers lose. Sellers don’t want to wait for your buyer’s home to sell. EasyPath removes the contingency without requiring your buyer to sell first.

Timeline and Process

What your client experiences:

StepTimelineWhat Happens
ApplicationDay 1Client submits basic info and docs
Pre-qualificationDays 2-5We verify equity and qualification
Investor contractDays 5-10Guaranteed purchase contract signed
Offer submissionWhen readyClient makes non-contingent offer
Close new homeStandard timeline21-30 days typical
List current homeAfter closeYour listing, shown empty or staged
Sell current homeWithin 180 daysKeep 100% of proceeds

What you need to do:

  • Identify candidates (25%+ equity, DTI concerns, competitive market)
  • Introduce the concept and connect them to us
  • Continue showing homes while we handle qualification
  • Write the offer without sale contingency
  • List their current home after they close

Partnering With Us

What we handle:

  • Pre-qualification and program eligibility
  • Mortgage application and underwriting
  • Investor contract execution
  • All financing through close

What you handle:

  • Finding the right home for your buyer
  • Negotiating the purchase offer
  • Listing and selling their current home

Communication approach:

  • We provide milestone updates: docs received, appraisal scheduled, clear to close
  • We respond to agent questions within hours, not days
  • You’re copied on key communications so nothing surprises you

What To Do Next

If you have clients who’ve been stuck because they need to sell first, let’s talk about whether EasyPath fits their situation.

We can run numbers for your specific clients and let you know within a day or two if they qualify. No commitment required.

Contact us at (855) 855-4491. We’ll respond quickly and keep you in the loop throughout.

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About the Author

Andrei Paduraru
Andrei Paduraru is a Senior Manager at JVM Lending. He specializes in Non-QM and alternative documentation loans, Jumbo financing, FHA and VA guidelines, and bridge loans, with particular depth in complex income scenarios for self-employed borrowers and investors. Andrei has 8+ years at JVM and 950+ closed transactions.
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