Get your home market-ready for $0 upfront¹
Cover listing prep projects now — staging, repairs, painting, landscaping — and repay when your home sells.
- Access up to $50,000 of equity in minutes
- No impact to credit to apply or access funds
- Use any vendor or pro
Interest as low as 0.75%/mo (8.99% APR)¹ + $499 one-time fee, nothing due until closing.
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 of your loan agreement with Notable Finance, LLC.
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).
How it works
Three steps from listing prep to closing.
Unlock funds
Access your equity with a quick application
Pay for improvements
Cover listing prep expenses using Notable
Repay at closing
Easily repay through the closing process
Market-ready homes sell²
31%
faster
9%
higher
² Based on Notable data. Individual results may vary.
Every listing needs a touch of improvement
From staging and painting to flooring and minor repairs, every property has pre-listing needs. Notable covers all these improvements and more, ensuring a property is not only market-ready but also enhanced for optimal appeal.
Most popular uses
- Staging
- Photography
- Flooring
- Painting
- Kitchen Cabinets
- Cleaning Services
- Inspection
- Landscaping
- Moving & Storage
Other common uses*
- New Appliances
- Furniture
- New Windows
- Countertops
- New Carpet
- Solar Panels
- Electrical Work
- Carpet Cleaning
- Roofing
- Plumbing Repairs
- Hardwood Refinishing
- Siding
- New Furnace
- Organizing & Decluttering
- Powerwashing
- Mold Remediation
- Lighting
- Garage Door Repair
- HVAC Repair
- Grout Repair
- Driveway Paving
- Insulation
- Closet Renovation
- Pest Control
- Backup Generator
- Architectural Plans
- Trash Removal
- Tile Repair
- Masonry Work
- Fencing
- Drywall Repair
- Design Consultations
- Deck Repairs
- Pressure Washing
- Fixtures
- Pool Maintenance
The possibilities are endless — sellers can even submit an invoice for a temporary stay if they need to relocate during renovations!
*Examples provided for illustrative purposes only. Other services that improve the value of the listed property may be eligible.
Notable is the ideal financing option
Designed specifically for home sellers, it checks all the boxes.
| What to look for | eXp Ready | Other personal loans | Credit card | HELOC |
|---|---|---|---|---|
| No impact to credit when applyingThere is only a soft credit check when applying. Other products have hard credit pulls which can have an impact on mortgage applications. | Yes | No | No | No |
| Easily repaid at closingRepayment is stress free since it can be completed through the home closing process. Other products require monthly payments. | Yes | No | No | No |
| Low rates & only pay for what you use³Interest only accrues when funds are used and only if they are outstanding. Other products accrue on the full loan amount and begin accruing on day one. | Yes | No | No | No |
| No spend requirementsYou can use only what you need and there's no cost if you don't use any funds. Other products have minimum disbursement requirements even if you don't need it. | Yes | No | Yes | No |
| Unsecured (no liens)There is no collateral required and no lien placed on the property. Other products require mortgage liens and can take 3-6 weeks to complete. | Yes | Yes | Yes | No |
³ Interest and fees apply. 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 of your loan agreement.
What it takes to qualify
- A minimum credit score: 680, or 640 in California
- Be an owner of the property, or be able to act on behalf of the owner
- A signed listing agreement
Additional criteria may apply. Loan eligibility is not guaranteed and all loans are subject to credit approval and lender underwriting. Rules and exclusions apply.
Selling for an estate, trust or LLC, or under a power of attorney?
Homes owned by an estate, trust or LLC, or sold under a power of attorney, may qualify. Notable may request ownership documents.
If the home is part of a probate, talk to the estate's attorney first. A signed listing agreement comes before any funding, and for a probate sale that means after Letters are issued.
Selling an estate home? Start hereFrequently asked questions
Will my credit score be impacted by applying?
The application and approval process uses a soft credit inquiry, which does not affect your credit score. Additionally, your credit score will not be impacted by drawing funds.
What happens if my home doesn't sell?
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.
What fees or interest are applied?
You'll see:
- Interest as low as 0.75% per month (8.99% APR)¹
- A $499 one-time fee
- Nothing due until closing
Interest only accrues when funds are used and only if they are outstanding.
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 of your loan agreement with Notable Finance, LLC.
Is there a cost if I don't use funds?
There is no cost to you if you no longer need your funds. You can simply request your loan be closed.
What can funds be used on?
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.
What are the qualification criteria?
- 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 a signed listing agreement with a real estate agent
Additional criteria may apply. Loan eligibility is not guaranteed and all loans are subject to credit approval and lender underwriting. Rules and exclusions apply.
What is the maximum amount I can qualify for?
Notable determines approval amounts primarily based on the equity in the home — though other credit-worthiness factors may be considered that can impact your credit limit.
How is the loan repaid at closing?
Once your closing date is set, let Notable know by logging into your portal and adding the home close date. Notable will send you and your agent a final payoff statement and, if needed, an escrow demand along with clear repayment instructions.
Does it work for homes owned by an LLC, Trust, Estate, or POA?
Homes owned by an LLC, Trust or Estate, or sold under a Power of Attorney (POA), may qualify. Notable may ask for some documents to verify ownership during the application process. For an estate sale, talk to the estate's attorney first.
What if I'm buying, too? How might my new mortgage be impacted?
Only soft credit inquiries are performed, so your credit score won't be affected during the application. Notable's loans are personal and unsecured, meaning there's no lien on the property. Additionally, Notable won't report the loan to the credit bureau unless the loan remains unpaid after it becomes due.
Ready to see what you'd qualify for?
David Bruce · 310-895-9018 · db@davidbrucerealty.com · DRE #01839192
