Prime Home Team helps move-up buyers coordinate the sale of one home, purchase of the next home, mortgage planning, and potential Prime Buyer Advantage savings.
Should the current home be sold before buying? Should the next home be found first? How much equity is available? What happens if the timing does not line up perfectly? Prime Home Team helps move-up buyers look at the full picture before making decisions — so the move feels less uncertain and more financially organized.
Move-up buyers are often focused on home equity, sale proceeds, and the purchase price of the next home. But the listing cost on the current home, mortgage costs on the next home, and future selling costs on the next home can also make a major difference.
The Prime Buyer Advantage is designed to help qualified buyers reduce common lender fees, compare mortgage pricing, lower certain listing costs, and create long-term value when the buyer eventually sells the next home purchased through Prime Home Team.
Move-up buyers may benefit from the 1.5% listing fee in two different ways — one now, and one later.
Understand what the current home may sell for. This helps estimate equity, net proceeds, and the possible down payment for the next home.
Request a Home Value Review →Estimate what may be left after mortgage payoff, selling costs, taxes, title fees, and closing costs. If listing with Prime Home Team, the 1.5% current-home listing fee should be included.
Sell Your Home →A move-up buyer also listing with Prime Home Team may qualify for a 1.5% listing fee — an important part of the total move-up savings strategy.
Home Value Review →Understand the possible mortgage rate, payment, loan type, and down payment options for the next purchase before searching seriously.
Request My Rate Quote →See potential savings from no origination fee, no processing fee, the current-home listing fee, and future listing fee savings on the next home.
Get My Savings Estimate → Home Buyer Savings Calculator →The right strategy depends on equity, income, loan approval, market conditions, and risk tolerance.
Once the current-home and next-home numbers are clearer, search homes in El Paso County, Colorado.
Search Homes →Coordinate listing dates, offer deadlines, inspection timelines, appraisal timelines, loan approval, closing dates, and moving dates.
The goal is to make the sale and purchase work together smoothly while keeping your mortgage, listing fee, and savings strategy in focus.
When you later sell the next home purchased through Prime Home Team, you may qualify for the future 1.5% listing fee, subject to program terms.
There is no single answer for every move-up buyer. The right approach depends on the buyer’s equity, income, savings, financing options, market conditions, timing, and comfort level.
The 1.5% current-home listing fee may also affect the strategy because it can help reduce the cost of selling when the move-up buyer lists the current home with Prime Home Team while also buying the next home through Prime Home Team.
Move-up buyers need to look at both sides of the move: the cost to sell the current home and the cost to buy the next home.
Examples use an estimated 1% loan origination fee, $600 lender processing fee, and a 3% listing fee comparison — showing potential savings on both the current-home sale and the next-home purchase.
Current-Home Listing Savings
Next-Home Lender Fee Savings
Future Listing Savings (Next Home)
Current-Home Listing Savings
Next-Home Lender Fee Savings
Future Listing Savings (Next Home)
Current-Home Listing Savings
Next-Home Lender Fee Savings
Future Listing Savings (Next Home)
These examples are for illustration only. Actual savings vary by borrower, loan program, sale/purchase prices, market conditions, and other factors. The 3% listing fee comparison is an example only; listing fees vary and are negotiable. This is not a loan estimate, rate quote, pre-approval, commitment to lend, home valuation, net sheet, or guarantee of savings.
Current home value affects equity, down payment, loan amount, and purchase price range..
Sale price isn't the same as net proceeds — payoff, closing costs, commissions, and taxes all matter. The 1.5% listing fee may help reduce selling costs.
Also compare APR, points, lender fees, credits, cash to close, and total loan cost.
Selling and buying at the same time requires coordinating inspections, appraisal, loan approval, closing, and moving plans.
Offer strength depends on market conditions, seller preferences, and the status of the current home sale.
Don't forget to compare origination fees, processing fees, points, credits, and cash to close.
Buyers who list with Prime Home Team while also buying their next home may qualify for a 1.5% listing fee.
The Prime Buyer Advantage helps you think ahead with a future 1.5% listing fee on the next home.
It depends on equity, income, financing options, market conditions, timing, and comfort level. Some buyers sell first, some buy first, and some use a contingent offer.
A good starting point is reviewing current home value, estimated net proceeds, available down payment, income, loan type, rate quote, and estimated payment.
Yes — if you use Prime Home Team to list your current home while also buying your next home through Prime Home Team, we offer a 1.5% listing fee on the current home sale, subject to the listing agreement and program terms.
Yes. The current-home fee applies to the home being sold now as part of the move-up strategy. The future fee applies when you later sell the next home purchased through Prime Home Team.
Yes. Request a personalized rate quote using key preliminary information. Request my rate quote →
Yes. Request a home value review to better understand potential equity, estimated selling costs, possible listing fee savings, and net proceeds. Request a home value review →
Buyers may choose any lender. If you already have a quote, Loan Estimate, or lender worksheet, it can be submitted for review. Compare my lender quote →
Ultimate Mortgage does not charge a 1% loan origination fee and does not charge a lender processing fee.
No. Actual savings vary based on borrower qualifications, loan amount, loan program, market conditions, lender pricing, property type, third-party fees, current-home sale price, future sale price, and other factors.
It may apply if you list the current home with Prime Home Team while also buying the next home through Prime Home Team, subject to the listing agreement and program terms.
Yes. It’s helpful to understand your current home value, possible net proceeds, possible listing fee savings, and next-home mortgage options first. Search homes →
When you purchase a home through Prime Home Team and later choose Prime Home Team to sell that same home, we list the property for a 1.5% listing fee, subject to the listing agreement and program terms.
