About
Flyhomes is a real estate fintech platform built around its flagship Buy Before You Sell program, designed for homebuyers, real estate agents, and loan officers. Using AI-driven cash offer technology, Flyhomes allows buyers to make competitive, cash-like offers on new homes while still owning their current property — no rushed sales, no temporary housing, and no double moves. The platform offers multiple financial instruments: the Flyhomes Cash Offer converts a financed offer into a cash-equivalent bid, the Instant Equity product unlocks home equity before selling, and the Guaranteed Backup Contract lowers debt-to-income ratios so buyers can qualify for higher loan amounts. Together, these tools give buyers maximum purchasing power in competitive markets. Flyhomes operates as a conflict-free wholesale partner for loan officers, with no in-house competing officers, no prepayment penalties, and full marketing support. Real estate agents benefit by winning more listings, empowering buyers, and closing deals faster. With over 30,000 in-network loan officers, $2.2B in funded loans, and $6.7B+ in total transaction volume, Flyhomes has established itself as a leading buy-before-you-sell solution across the U.S. The platform is ideal for move-up buyers, growing families, and anyone navigating the challenge of buying and selling simultaneously.
Key Features
- AI-Powered Cash Offer: Converts a buyer's financed offer into a cash-equivalent bid, making it more competitive in tight real estate markets.
- Buy Before You Sell Program: Allows homebuyers to purchase and move into their new home before listing or selling their current property, eliminating double moves.
- Instant Equity Access: Unlocks the equity in a buyer's existing home without requiring them to sell first, enabling a larger down payment on the next purchase.
- Guaranteed Backup Contract: Removes the existing home mortgage from the buyer's debt-to-income ratio, helping them qualify for a larger loan on their new home.
- Loan Officer & Agent Partner Network: Supports 30,000+ in-network loan officers and real estate agents with tools, marketing resources, and a conflict-free wholesale model.
Use Cases
- A growing family needs a larger home fast and wants to move in without waiting for their current home to sell.
- A homebuyer in a competitive market wants to make a cash-like offer to beat out other bidders without liquidating investments.
- A loan officer wants to help more clients qualify for move-up home purchases by excluding their existing mortgage from DTI calculations.
- A real estate agent wants to win more seller listings by offering buyers a guaranteed, stress-free transition between homes.
- A homeowner wants to access their existing equity for a down payment on a new property without taking out a HELOC or selling early.
Pros
- Eliminates double moves and temporary housing: Buyers can move directly into their new home before selling, avoiding the stress and cost of interim living arrangements.
- Increases competitive power in hot markets: Cash-like offers significantly improve the chances of winning a bid in multiple-offer situations.
- Flexible financial options: Multiple programs (Cash Offer, Instant Equity, Guaranteed Backup Contract) let buyers and their agents choose the right fit for each scenario.
- Conflict-free partner model: No in-house loan officers means partner LOs keep their clients and referral relationships intact.
Cons
- Service availability may be limited by geography: Buy Before You Sell programs may not be available in all U.S. states or markets.
- Fee-based service adds to transaction costs: Using Flyhomes's programs introduces additional fees on top of standard real estate and mortgage closing costs.
- Requires working through a partner loan officer: Consumers cannot access all products directly — many require coordination through a Flyhomes-partnered loan officer or agent.
Frequently Asked Questions
What is the Flyhomes Buy Before You Sell program?
It's a suite of financial products that lets homebuyers purchase and move into a new home before selling their current one, avoiding double moves and rushed sales.
How does the Flyhomes Cash Offer work?
Flyhomes purchases the new home on the buyer's behalf with cash and then sells it back to the buyer, making the original offer appear as a cash bid to the seller — increasing its competitiveness.
Is Flyhomes available for loan officers to partner with?
Yes. Flyhomes operates as a conflict-free wholesale partner with no in-house loan officers, so partner LOs retain their clients and earn additional broker fees.
Can I access my home equity without selling first?
Yes. The Instant Equity product unlocks your current home's equity before you sell, which can be used toward the down payment and closing costs on your next home.
How does the Guaranteed Backup Contract help buyers qualify for more?
The Guaranteed Backup Contract removes the departing home's mortgage from the buyer's debt-to-income ratio calculation, allowing them to qualify for a larger loan on their new purchase.
