Selling costs add up.Have a plan to help your clients.
eXp Ready™ lets your clients defer all listing costs until closing.
- Up to $50,000 with a simple application
- No credit impact to apply or access funds
- Interest as low as 0.75%/mo (8.99% APR)¹
+$499 one-time fee – zero due until closing
HOW IT WORKS
How eXp Ready works
Five steps, start to close.
Introduce
You tell your seller about eXp Ready during the listing conversation.
Apply
They apply in minutes. Soft credit check, no impact to their score.
Get Approved
Approval up to $50,000, based primarily on equity in the home.
Make Improvements
They use any contractor of their choosing to get the home market-ready.
Pay at Close
Nothing due upfront. The loan is repaid as a simple step at closing.¹
Everything you need to succeed with eXp Ready
Everything above explains the program. Everything below helps you use it.
KEY STATS TO KNOW
Homes sold
Credit issued
Customer satisfaction
Trustpilot rating
Higher sale price for staged homes³
Less time on market for staged homes³
YOUR NOTABLE DASHBOARD
Your one-stop shop to:
Create Listing Prep Plans
Build a room-by-room plan and share it with your seller.
Monitor client applications and loan activity
See where every client stands without picking up the phone.
Provide client closing dates, and more
Add the close date and we'll send the payoff statement.
Sign in using your phone number
CLIENT LINK
Send clients here
expready.notablehome.com
Here clients can:
- Estimate what they'd qualify for, instantly
- Complete the application in about 2 minutes
- Browse FAQs and get live support
RESOURCES
Marketing materials, ready to use
FAQ
Frequently asked questions
The application and approval process uses a soft credit inquiry, which does not affect your credit score. Additionally, credit score will not be impacted by drawing funds.
You have 12 months (1 year) to sell your home. If it hasn't sold by then, you can request an extension or set up a payment plan to give yourself more time to sell.
If you choose to no longer sell your home, the loan will need to be repaid.
You'll see:
• Interest from 0.75%/mo (8.99% APR)
• A $499 one-time fee
• No monthly payments – zero due until closing¹
Most homes sell in about 3 months. At our average ~1% monthly interest (12% annually), that's about 3% interest paid at closing, only on what you actually spend.
There is no cost to you if you no longer need your funds. You can simply request your loan be closed.
You can use funds for virtually anything that helps get your home ready to sell, from staging and painting to repairs, landscaping, or even things like storage and temporary housing.
• Meet a minimum credit score of 680 (640 in CA)
• Be an owner of the property (or be able to act on behalf of the owner)
• Have at least 20% equity in the home
• Signed listing agreement with a real estate agent
• Property list price under $4M
*Additional criteria may apply
The maximum you can qualify for is $50,000.
We determine approval amounts primarily based on the equity in the home, though other credit-worthiness factors may be considered that can impact your credit limit.
Once your closing date is set, let us know by logging into your portal and adding the home close date. We will send you and your agent a final payoff statement and, if needed, an escrow demand along with clear repayment instructions.
Yes! We can work with homes owned by an LLC, Trust, Estate, or under Power of Attorney (POA). We may ask for some documents to verify ownership during the application process.
Only soft credit inquiries are performed, so your credit score won't be affected during the application. Our loans are personal and unsecured, meaning there's no lien on the property.
Additionally, we won't report the loan to the credit bureau unless the loan remains unpaid after it becomes due.
HELP & SUPPORT
Notable is here for you and your clients
Available Mon–Fri, 9am–9pm ET. Hours may vary on holidays.
YOUR NOTABLE ADVISOR
Schedule time with Max
Book a call to talk through a specific listing or client situation.
¹ Interest applies. Loan funds, interest, and fees are due upon closing of the sale of your home, termination of your listing agreement, loan acceleration or twelve months after origination, whichever is sooner. Subject to the terms and conditions.
Results may vary. Notable and its marketing or referral partners do not guarantee or warrant any results. Loans are made by Notable Finance, LLC, an affiliated lender, or Quorum Federal Credit Union, and not made by any real estate broker or agent. Loans by Notable Finance, LLC, NMLS# 1824748 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 your loan agreement and Notable's terms and conditions (notablehome.com/terms).
Notable Finance is a registered trademark with the USPTO.
All rights reserved © Notable Finance, LLC 6 Landmark Sq, Fl 4, Stamford, CT 06901 • NMLS #1824748