Life Stage · Texas
Upsizing — Growing Family in Texas
Outgrowing the starter home? Move up in Texas with a structured plan that protects your cash, credit, and closing date.
Common challenges we solve
- Coordinating the sale of the current home with the next purchase
- Qualifying for a higher loan amount with one income on leave
- Needing space for kids, in-laws, or remote work
- Avoiding PMI on the move-up home
What you get with Lumos
Bridge or recast financing so you buy before you sell
Doctor, attorney, and professional loan programs
Strategic 10–20% down structures that avoid PMI
Loan programs that typically fit
Frequently asked
- How much more home can we afford?
- We'll model your debt-to-income with the existing mortgage included so you know your true ceiling before you tour homes.
- Should we keep the old home as a rental?
- Often yes — we can use 75% of the projected rent toward qualifying for the new loan.
- Do we have to put 20% down?
- No — we have lender-paid PMI and piggyback structures that keep your monthly payment lean.
