📍 Huntsville | Madison | Athens | Decatur | North Alabama Real Estate Tips

Buying a home while selling your current one can feel like a real estate juggling act. In a fast-moving market like North Alabama’s—especially in areas like Huntsville, Madison, and Athens—timing is everything. But with the right strategy and support, it is possible to make both moves smoothly. At the Rebecca Lowrey Group, we help clients do it every day. Here are five proven tips we share with our buyers and sellers.

1. Explore New Construction for Flexible Timing

If you’re considering new construction, this can be one of the simplest ways to buy and sell simultaneously. Builders often have more flexible closing timelines and may even offer homes that haven’t yet hit the market. We have great relationships with local builders in North Alabama and can help you uncover off-market options that align with your schedule.

Pro tip: If you need to stay in your current home while your new one is being built, you may be able to negotiate a lease-back or longer closing window.

2. Consider a 401(k) Loan

Using a 401(k) loan is one way some clients access funds for a down payment before selling their current home. This temporary loan allows you to borrow from your retirement savings, with the intent to repay it once your home sells.

Important: Be sure to consult your accountant to make sure this option makes financial sense for you.

3. Use a Home Equity Line of Credit (HELOC)

A HELOC lets you borrow against the equity in your current home to finance your next purchase. This gives you the freedom to buy first—without rushing to sell. Not sure how much equity you have? That’s where we come in. We’ll run a free market analysis to estimate your current home’s value so you know exactly where you stand.

4. Negotiate a Longer Closing Window

In today’s seller-friendly market, especially in high-demand areas like South Huntsville and Monrovia, you have leverage. We often negotiate extended closing periods so sellers have time to find and secure their next home. This gives you valuable breathing room to coordinate both sides of the transaction.

5. Submit a Contingent Offer—With Preparation

Yes, you can make an offer on a new home that’s contingent on selling your current one. But it takes preparation. We’ll help you get your home fully market-ready with photos, videos, and staging so we can launch it quickly once you find the right place. When done strategically, a contingent offer can be just as strong—especially with the right team behind you.

You Don’t Have To Do This Alone

Whether you’re relocating within North Alabama or making your next big move across town, buying and selling at the same time is possible—and we’ll guide you every step of the way. With our expertise in local neighborhoods, strong builder partnerships, and tailored advice for financing options, we help you avoid the stress and keep the process smooth.