We’ll help you use the equity you’ve built, line up the timing, and find the right loan for the home that fits your life now.
No jargon · No pressure · Just a real person helping you get your first keys
“Finally, someone who picked up the phone.”
“Closed in 18 days. They meant it.”
“Made it easy when I thought it would be impossible.”
Pre-approved on day one
A move-up buyer is a current homeowner buying their next home, usually because life changed: a growing family, a new job, a better school district, or just needing more space. Most move-up buyers have one big advantage first-time buyers don’t, and that’s equity. The challenge is timing: using the value in your current home toward the next one without having to sell first, rent in between, or move twice.
We’ll help you map out the money and the timing, so buying and selling happen in the right order.
We’ll estimate what your current home could sell for and what you still owe, so you know what you have to work with before you shop.
Buy first, sell first, or bridge the gap. We compare lenders and programs and show you the trade-offs of each option side by side.
Choose your loan and we’ll handle the paperwork, appraisal, and underwriting, coordinating dates with your agent so the sale and purchase stay in sync.
We’ll walk you through every dollar due at closing, so you get the keys to the new place without a scramble.
Your current home can do a lot of the heavy lifting. We’ll help you find the loan that fits your timing and your next price point.
The go-to for buyers with equity and solid credit. Put your sale proceeds toward a bigger down payment and a lower monthly payment.
Found the one before your home sells? A bridge loan lets you tap the equity in your current home for the down payment on your next one.
Planning to move again or refinance within a few years? An ARM can start with a lower rate for a set period before it adjusts.
People consistently say the same things: it finally felt straightforward, they understood their options, and they weren’t treated like a number.
Just completed our refinance and it was a breeze! Megan and Jacquie are an amazing team! They are smart, hardworking, caring and knowledgeable!…
Olga G.
I had a truly wonderful experience working with HappyDog. From the very beginning, the team was professional, helpful, and prompt in guiding me through…
Jenny U.
If I could give Marci and Tori 10 stars I would! They were so friendly and easy to talk to. You can tell they enjoy helping people and that’s what makes them so good at their job!
RyAnn G.
Mike McKee, excellent service. His patience helped me to walk through the homebuying process with ease. He was available whenever I contacted him…
Althea O.
Great experience overall! Jason always kept us up to date and communicated regularly and is very good about replying quickly to questions.
AD A.
OMG!!! Mike Mckee is phenomenal…I worked with him for almost 2yrs..I had lots of issues prior to opening and he continued to reach out to me and stay in contact…
Valerie S.
HappyDog was easy to work with and highly responsive during our escrow process. I highly recommend them.
Taylor M.
Mike McKee’s professionalism and efficiency are truly impressive. He seamlessly guides clients through the lending process with his expertise…
Edward K.
Tori was amazing! She was providing several options for our budget for us to review and explained pros and cons with each option…
Rio B.
We can’t say thank you enough to vinnie, Lisa, and the whole team at happydog home loans! They made the whole process simple and straight forward…
Mariah H.
We had an absolutely amazing experience working with Happy Dog Lending while buying our first home! As first-time buyers, we had a lot of questions…
Ursula T.
Great response time, easy formatting and uploading documents. Always kind in our interactions VERY patient…
David B.
Buying and selling at the same time raises a lot of questions. Here are the ones we hear most.
No. Depending on your equity and finances, you may be able to buy first with a bridge loan, a HELOC, or by qualifying with both payments for a short time. We’ll show you which options are realistic for you.
Possibly for a short stretch, and we’ll tell you up front if that’s likely. We map out the worst-case timeline before you commit, so a temporary overlap is a plan, not a surprise.
We plan for that. We’ll talk through how long you could comfortably carry both homes and what your options are if the sale takes longer.
Yes, and that’s how most move-up buyers fund their next home. We’ll help you time it so your sale proceeds are ready when you need them.
Sometimes that makes sense. We can run the numbers both ways, including what it takes to qualify for a new loan while keeping your current one.
See where you stand in a few minutes. No credit hit, and it doesn’t commit you to anything.
