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Pay-at-close financing

A smarter way to prep your home for sale

Borrow up to $50K to cover staging, repairs, and improvements before listing—with nothing due until your home sells.

Check eligibility See how it works

$0 out of pocket

Access up to $50K to prep your home for sale with nothing due until closing.

Low, fixed rates

Transparent pricing with a low, fixed rate. No hidden fees, no surprises.

Prequalify in minutes

See what you qualify for in minutes from any device. Quick, easy, and hassle-free.

Repay at closing

Costs are paid directly from your home sale proceeds. Simple, automatic, and stress-free.

Proven to optimize the home sale process

73%

Staged homes spend approx. 73% less time on the market.

$11K

Bathroom remodels result in $11K higher sale on avg.

25%

Staged homes on the market can sell for approx. 25% more.

94%

Of home buyers are looking for move-in ready properties.

How it works

1

Prequalify in minutes

See what you qualify for with a quick online application from any device.

2

Make improvements

Use the funds for staging, repairs, painting, landscaping, or any prep service to get your home market-ready.

3

Repay at closing

Repay only what you spend directly from your home sale proceeds. Nothing due until the home sells.

Who qualifies?

Pay at Close is available for most listings. Here's what we look for.

Signed listing agreement

The property must have an active or upcoming listing agreement with a licensed real estate agent.

Home value $300K+

Pay at Close is available for homes listed at $300,000 or above.

Sufficient equity

The property must have enough equity to cover staging costs at closing.

Available nationwide

Pay-at-close financing is available for properties across the US.

"Pay-at-close financing removed the biggest barrier to getting homes market-ready. Now I can recommend improvements on every listing knowing there's no upfront cost to my sellers. It's transformed how I do business."

AB
Andrea B.
Real Estate Agent

Ready to prep your home for sale?

Eliminate out-of-pocket expenses and get your home market-ready with pay-at-close financing.

Check eligibility

Up to $50K • $0 upfront • Pay at closing