Room to Grow Into Your Next Home.
Financing for buyers moving up to more space: purchase, refinance, or cash-out on one to four unit primary residences, with conforming, high balance, and jumbo options.*
One loan. Flexible ways to buy.
However you earn, there’s likely a path to approval.
- Purchase the next home, or refinance the current one
- Standard documentation: income, assets, and credit
- Equity in your current home can fund the next down payment*
- Both mortgage payments are counted while you hold two*
- Conforming and jumbo options available*
- You occupy the new home as your principal residence
Loans from eligible amounts up to conforming loan limits*
Buy, refinance, or take cash out
Primary, second home, or investment property
Standard documentation: income, assets, and credit
Low-down-payment options available*
Fixed-rate and adjustable-rate (ARM) options
What is the Saxton Move-Up Home Loan?
Buying the next home while you still own the current one
The Saxton Move-Up Home Loan is a full-featured mortgage that follows Fannie Mae and Freddie Mac guidelines, written for the buyer who has a house to sell and a house to buy.
Qualify with standard documentation: income, assets, and credit reviewed the usual way.
Use it to purchase a home, refinance your current mortgage, or take cash out of your equity, on a primary residence, second home, or investment property, with loan amounts up to $832,750, or up to $1,249,125 in higher-cost counties.*
Why choose the Saxton Move-Up Home Loan?
Built for homeowners ready to sell, buy, and move up.
Outgrowing The House
Space, schools, a second office. The reason is usually life rather than rates, which is why this move happens in any market.
The Timing Problem
Selling and buying rarely line up. The order you do them in changes what you qualify for and how much pressure you are under.
Move-Up & Repeat Buyers
Move up to the next home, or refinance the one you are in.
Your Equity Is The Deposit
For most move-up buyers the down payment on the next home is the equity sitting in this one.*
Insurance With An End
If you put less down on the next home, mortgage insurance can still come off later once equity builds.*
Keeping The Old Rate
Giving up a low first mortgage is the real cost of moving. Sometimes the answer is a second lien on the current home instead.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about buying your next home.
Loan limits follow the annual conforming limits set by county. For 2026 the one-unit limit is $832,750, rising to $1,249,125 in higher-cost counties, with jumbo options above those limits.
Yes. Low-down-payment options make buying your first home more attainable.*
Options vary by program and are confirmed at underwriting, based on your income, your existing mortgage, and your credit profile.
There is no fixed minimum credit score on this program. Eligibility is determined by automated underwriting, which weighs your credit history alongside your income, assets, and the property. Stronger credit generally opens more options.
The equity in your current home usually is the down payment. What matters is the order of the two transactions and how the timing is handled.*
Yes. Fixed-rate and adjustable-rate (ARM) options are available on eligible programs.
Yes, cash-out refinancing is available. The amount you can access depends on your equity, credit profile, and property type.
Find out what you qualify for
Whether you’re buying, refinancing, or pulling cash out, there’s likely a Saxton Move-Up Home Loan program that fits. Get a fast, no-obligation pre-qualification today.
Get Pre-Qualified- Consumer Financial Protection Bureau, buying a house: tools and resources for homebuyers
- Consumer Financial Protection Bureau, mortgages
*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Loan limits follow the annual conforming limits set by county. Down payment and cash-out limits vary by occupancy, credit score, and documentation type. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.