• Defer the cost until closing

• Up to $50,000 in pre-listing financing, accessible same-day after approval

• Flexible use of funds, client's choice of any contractor, stager, retailer, or service provider

• Loan term of 12 months

• No payments due until closing or loan maturity

• Five-minute application with no credit score impact

• Branded agent and client portal for seamless management

Our pay-at-close program gives your sellers the power to cover home-selling expenses now and pay for them at closing.

• No upfront costs for your seller

• No credit card debt, liquidating assets, or HELOCs

• No delays in getting their home market-ready

• And no pressure on you, the agent, to front costs or wait for reimbursement

• Kitchen remodel

• Tenting for termites

• Seller's relocation expenses while listing

• Home inspection

• Staging

• Even pet sitting during an open house is covered!

Not covered: tax liens, existing mortgage debt, or closing costs like title and appraisal fees.

• Qualify: 680+ credit score, 20% equity, signed listing agreement, list price under $4M. LLCs, trusts, estates, POAs, and even investors all work. Must have an active listing agreement.

• Apply: Send your seller https://ready.exprealty.com/. Soft credit pull, offer in minutes.

• Confirm: You'll get a text and email to confirm the address and list price. Do it fast.

• Spend: Funds are often same-day. Sellers pay with the eXp Ready card, upload bids, or get reimbursed with receipts.

• Cost: Interest is about 1% per month, only on what they use, plus a $499 fee if they draw funds. No cost to you.

• Repay: Enter the close date and title info in your portal. It's paid off at closing.

Pro Tip: Have your seller enter the list price after repairs on the application. That's what drives the approval amount.

If the Home Doesn't Sell

The loan comes due at 12 months, or sooner if the listing expires or the seller pulls the home. Notable works out extensions or payment plans with the seller directly.

Pro Tip: Keep your listing agreement current. If it expires, the loan can come due.

Introduce it, send the link, and let Notable handle the details. Don't get in the weeds on financing.

"If you want to get your home in the best condition to list and sell competitively, I have an option called eXp Ready that helps you cover prep costs for $0 upfront. You can borrow up to $50K to get market-ready and pay back what you used when your home sells, so no out-of-pocket costs to you. I'll send you the link so you can see what you qualify for. It only takes a few minutes."

Client application link: https://ready.exprealty.com/

Seller questions go to Notable: support@notablehome.com or 1-855-953-5833.

• Deal killers first: roof, HVAC, foundation, plumbing, sewer line. Fix what an inspector will find.

• Paint and flooring: neutral paint and fresh flooring give the biggest return.

• Curb appeal: landscaping, power washing, a fresh front door.

• Staging and deep cleaning: focus on the living room, kitchen, and primary bedroom.

• Refresh over remodel: cabinet paint, new hardware, and lighting beat a full remodel on most homes.

• Hold a reserve: keep some funds for repairs that come up during the option period.

• eXp Press release: https://www.agnt.inc/press-releases/exp-ready-home-prep

• Read the official eXp FAQ Document: https://docs.google.com/document/d/1LLFJZ6urypHa2-5DdoDkiOBVXfxNQIy-1tgkbV7Ltsk/edit?usp=sharing   

• Watch this short explainer video: https://streamyard.com/watch/3VUSU85BAKe9

• Agent link to learn more and get certified https://ready.exprealty.com/agents

• Get certified (10 minutes) and access resources: https://ready.exprealty.com/agents

• Client application link: https://ready.exprealty.com/

• Join the Hub group:  eXp Ready™ powered by Notable® Hub group

• Agent support: support@notablefi.com or 1-800-848-5041

If you have additional questions contact eXp Expert Care at expertcare@exprealty.com or call or text your questions to (833) 303-0610. You can also reach out to the Notable team by emailing support@notablefi.com, calling 1-800-848-5041 or texting 1-831-777-5503 or click here to book an appointment with a representative. 

Interest applies. Loan funds, interest, and fees are due upon closing of the sale of your seller's home, termination or expiration of your seller's listing agreement, suspension of the loan, loan acceleration or twelve months after loan origination, whichever is sooner. Loans made by Notable Finance, LLC (NMLS# 1824748) or Quorum Federal Credit Union. Subject to credit approval and terms at Notablehome.com/terms. Results may vary.