With Supreme Cash Advantage, we pay cash for the home you’re moving out of and finance the new one — so you buy your next home with no home-sale contingency, on your timeline, while your realtor keeps the listing on your current home.
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Two moves happen together: we finance your new home, and we pay cash for the home you’re moving out of. Because your purchase no longer depends on selling first, your offer carries no home-sale contingency — the clause that makes sellers nervous.
The classic move-up trap looks like this: you find the right next home, but your equity is locked in the current one, so your offer must be contingent on selling — and in a competitive Twin Cities market, contingent offers lose. Cash Advantage removes the sequencing problem entirely. You shop, offer, and close as a non-contingent buyer, then your current home is handled on the cash side.
On a call we map your exact situation: the new home's financing, the timeline, and how the cash purchase of your current home fits your overall plan — planner-style, numbers first.
A contingent offer can collapse if your buyer falls through — a risk the seller never chose. Removing the contingency tells the seller your closing depends on you and your lender, which is exactly the certainty that wins competitive listings.
Sellers and listing agents do not just pick the highest price; they pick the offer most likely to close. Pair a non-contingent offer with a fully documented pre-approval and a lender who answers the listing agent's call the same day, and your offer reads as low-risk from the first look. That is the real edge in a bidding war — and it is why we say pre-approval strength, not just price, wins homes.
Yes — your realtor keeps the listing. Cash Advantage is built to strengthen the relationship you already have with your agent, not replace it. Your agent stays your agent on the sale side, and we handle the financing side.
Realtors: this is the kicker for your move-up clients. The client buys non-contingent, you keep the listing on their current home, and the file is run by a local team that keeps you in the loop at every step. More on how we work with agents is on the For Realtors page.
Homeowners who have found — or are hunting for — their next home before selling, especially in competitive price ranges where contingent offers get passed over. It is a strategy conversation first: we model the payment, the timeline, and the tax picture together.
If your current home would sell quickly and you are buying in a quieter segment, a conventional move-up plan may do the job for less complexity — we will tell you honestly which route fits. The point of the program is certainty where certainty is what wins.
Program terms and availability are current as of November 2026 and subject to change and to credit and property approval. Ask for details for your situation.
In competitive Twin Cities listings, sellers do not just pick the highest price — they pick the offer most likely to close. A fully documented pre-approval proves the file has survived the hard questions, and buying without a home-sale contingency removes the biggest risk a seller sees.
Outcome: offers written to close — a loan Ben says will close is closing, and listing agents in this market learn that fast.
Stories reflect the types of files Ben's team handles regularly; details are composites with identifying information removed. Every file is different — approval depends on your full picture.
With Supreme Cash Advantage: we pay cash for the home you're moving out of and finance the new one. Because your purchase doesn't depend on selling first, your offer carries no home-sale contingency.
No. Your realtor keeps the listing on your current home. The program is designed to support the agent relationship you already have — we handle the financing, your agent handles your sale.
Not exactly. You still finance the new home with a mortgage. The cash piece is the purchase of the home you are moving out of, which is what removes the sale contingency from your offer on the new home.
Move-up buyers in competitive Twin Cities markets whose equity is tied up in their current home, and who keep losing — or would lose — with contingent offers. A short call maps whether the math fits your situation.
Costs and terms depend on the homes and timeline involved and are quoted for your specific situation — nothing generic. We lay out every number in writing before you commit to anything.
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Ben Coulter · Supreme Lending Midwest5151 Edina Industrial Blvd, Suite 500, Edina, MN 55439 · (612) 384-7818 · NMLS #383046
