eXp Ready
Ready to sell. Not ready to pay for prep?
Get up to $50,000 for paint, repairs, staging, flooring and landscaping, with nothing due until closing.* Available to qualified sellers working with The Davis Team at eXp Realty.
Buyers pay for homes that feel ready.
Most homes sell for more with a little work first. The hard part has always been paying for it before the sign goes up. eXp Ready takes that off your plate.
of buyers specifically look for move-in-ready homes
of staged homes spend less time on the market, on average**
more for staged homes compared with unstaged homes**
Source: eXp Realty, eXp Ready program materials. **Results may vary.
From finishing touches to bigger updates.
Staging and furniture
Interior and exterior painting
Flooring
Repairs and updates
Landscaping and curb appeal
Cleaning and organizing
HVAC and electrical
Professional photography
Moving and storage
Four steps from “someday” to sold.
Apply
A short online application with no impact to your credit score.
Get approved
Qualified sellers can access up to $50,000, available as soon as the same day after approval.
Prep your home
Hire the contractors and vendors you choose. We help you pick the updates most likely to pay off.
Close and repay
Repay what you used, plus fixed interest and a one-time fee, from your sale proceeds.*
Built to be simple and straightforward.
Your contractors, your call
No approved vendor list. Use the painter, stager or handyman you already trust.
No out-of-pocket cost upfront
Repayment comes from your sale proceeds at closing, not your savings account.*
No credit score impact to apply
The application takes minutes and does not affect your credit score.
Pay only for what you use
Approved for more than you need? You only pay interest on the amount you actually draw.
No surprises. Here is exactly how repayment works.
Only what you use
The amount you draw plus fixed interest. Nothing on funds you never touch.
$499 origination
Deducted from your available credit on your first draw. If you never draw funds, you are never charged.
At closing, or 12 months
Due when your home sells, if your listing agreement ends, or 12 months after origination, whichever comes first.*
See what your home is worth, and what it could be worth ready.
Tell us about your home. A Davis Team agent will prepare your free home value and call you to talk through which updates could pay off most with eXp Ready.
- Custom home value from a local agent, not an algorithm
- A prep plan for the updates with the best return
- Help applying for eXp Ready when you are ready
- No cost and no obligation
Got it. We are on it.
A Davis Team agent will reach out shortly to confirm a few details about your home and schedule your call.
Want to talk now? Call or text (510) 949-5525.
eXp Ready FAQ
What is eXp Ready?
eXp Ready is a pre-listing financing program from eXp Realty, powered by Notable. Qualified sellers can access up to $50,000 to prepare their home for sale and repay it from their sale proceeds at closing.
Will applying affect my credit score?
No. Applying for eXp Ready does not impact your credit score.
How much will I pay?
You pay only for the amount you use, plus fixed interest and a one-time $499 origination fee. The fee is deducted from your available credit on your first draw and is only charged if you draw funds.
Do I have to use the full amount I am approved for?
No. Use only what you need. Interest applies only to the amount you use.
When is repayment due?
Loan funds, interest and fees are due when your home sells, if your listing agreement is terminated, upon loan acceleration, or 12 months after origination, whichever happens first.
Can I use my own contractors?
Yes. There is no approved contractor list. You choose the contractors, stagers and vendors you want to work with.
How fast can I get the money?
Funds can be available as soon as the same day after approval.
Who can use eXp Ready?
eXp Ready is available to qualified sellers listing their home with an eXp Realty agent. All loans are subject to credit approval and lender underwriting. Request your home value above and we will walk you through it.
Which updates should I make?
That depends on your home and your neighborhood. We will walk through your home with you and focus on the updates most likely to improve your sale price and time on market, so you do not spend money where buyers will not notice it.
Let’s get your home ready.
The Davis Team | eXp Realty | DRE #01880656 | 2525 Bayfront Blvd., Hercules, CA
*Interest applies. Loan funds, interest and fees are due upon the sale of your home, termination of your listing agreement, twelve months after origination, or the occurrence of other acceleration events as provided in your loan agreement, whichever occurs sooner. A one-time $499 origination fee is deducted from available credit upon first draw and is only charged if the borrower draws loan funds.
**Results may vary and are neither warranted nor guaranteed. eXp Ready™ is powered by Notable. Loans are provided by Notable and made by either Notable Finance, LLC, an affiliated lender, or Quorum Federal Credit Union. 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, lender underwriting and the terms and conditions of your loan agreement. Rules and exclusions apply. See notablehome.com/terms. The home value provided is a comparative market analysis and is not an appraisal.