Home Prep Financing: Get Your House Ready to Sell Without Fronting the Cash

Paint, floors, staging, photos. The prep that sells a house is the prep nobody wants to pay for first.

You know the house would show better with fresh paint, new floors, and a garage you can actually walk through. You also know every dollar of that comes out of your pocket before a single offer shows up.

That's the catch with selling. The prep that earns you the best price is the prep you have to pay for first. Home prep financing flips that order.

So how do you pay for home prep before your house sells? With eXp Ready, a program from eXp Realty powered by Notable, you can borrow up to $50,000 and pay nothing until closing.¹

What is home prep financing?

Home prep financing is a loan that pays for repairs, updates, and staging before you list, then gets repaid when the house sells. eXp Ready is eXp Realty's version, powered by Notable. Three things to know:

• Up to $50K in flexible financing. Spend it where your house needs it most.
• About 5 minutes to apply, with no impact to your credit score. No stack of paperwork.
• $0 down. It's paid from your closing proceeds.¹

Why bother prepping at all? Move-in-ready homes tend to sell faster and for more money.² Results vary, but buyers can tell the difference between a house that's cared for and a house that "has potential."

What can you fund with eXp Ready home prep financing?

eXp Ready covers nine kinds of home prep, and you choose your own contractors and vendors.

1. Staging & furniture. Make the rooms look like somewhere people want to live.
2. Fresh paint. The cheapest way to make a house look newer.
3. New flooring. Worn carpet is the first thing buyers mentally price out.
4. Landscaping. Curb appeal is showing number one, and it happens in the driveway.
5. Cleaning & organizing. Clutter makes rooms look smaller.
6. Repairs & updates. Fix what an inspector will find anyway.
7. Photography. Your listing photos are the first showing.
8. HVAC / electrical. Unglamorous. Also the stuff that can sink a deal.
9. Moving & storage. Get the extra furniture out while the house is on the market.

How does home prep financing work with eXp Ready?

eXp Ready works in four steps, and you don't pay anything until the house closes.¹

1. Apply. It takes about 5 minutes and has no impact on your credit score.
2. Get approved. Qualify for up to $50,000.
3. Make improvements. Choose your own contractors and vendors.
4. Pay at closing. You pay only for what you use, plus fixed interest.¹

Here's the fine print, said out loud. Interest applies. The loan comes due when your home sells, twelve months after the loan starts, or on other acceleration events in your loan agreement, whichever comes first.¹ Read the terms before you sign, like you would with any loan.

The bottom line

Home prep financing lets you fix up your house before you list and pay for it at closing. eXp Ready offers up to $50,000, $0 down, and about 5 minutes to apply with no impact to your credit score.¹ If your house needs work to sell, you don't have to drain your savings first.

Want to see if you qualify?

Applying takes about 5 minutes and doesn't touch your credit score.

👉 Apply for eXp Ready here — see what you qualify for, up to $50,000.¹

Ready to figure out what to fix first?

Not every project is worth the money, and I'll tell you which ones aren't.

👉 Book a free 15-minute consult here — we'll walk through your house and decide what's worth doing before you list.

Stacey McVey, Founder, CLEliving.com Team, eXp Realty
440-429-0805 · stacey@cleliving.com · cleliving.com

Disclosures

1. Interest applies. Loan funds, interest and fees are due upon the sale of your home, twelve months after origination, or the occurrence of other acceleration events as provided in your loan agreement, whichever occurs sooner. Subject to the terms and conditions of your loan agreement with one of Notable's affiliated lenders, Notable Finance, LLC or Quorum Federal Credit Union.
2. Results may vary. Loans are provided by Notable and made by either Notable Finance, LLC, an affiliated lender, or Quorum Federal Credit Union. Results may vary, and are neither warranted nor guaranteed. Subject to the terms and conditions of your loan agreement. Notable Finance, LLC, NMLS# 1824748 loans are made or arranged pursuant to a California Finance Lenders Law license. Loan eligibility is not guaranteed and all loans are subject to credit approval and lender underwriting. Rules and exclusions apply. Subject to terms and conditions (Notablehome.com/terms).
3. Agent may receive a referral fee from Notable for clients who apply for a loan.