eXp Just Gave Agents a New Answer When Sellers Can’t Afford Prelisting Repairs

eXp Ready™ could change the “we can’t afford that” listing conversation. With eXp Ready, sellers can now finance up to $50,000 in home prep and pay at closing.1

You've been there. You're standing in a seller's living room, and you already know the home could sell for more, if only the carpet weren’t 20 years old, the walls weren't scuffed, and the backyard didn't look like it hasn't seen a landscaper since 2019. Your seller wants to make those changes, but they just don't have the cash.

Well, that “we’ll just list it as-is” conversation just got a $50,000 plot twist.

What is eXp Ready™?

eXp Ready™ means your sellers no longer have to settle for “good enough” photos because the budget ran out before the kitchen got a fresh coat of paint.

Powered by Notable Finance, your eligible seller clients can get up to $50,000 to cover staging, painting, flooring, landscaping, repairs, and more, with nothing due out of pocket until the home closes.1

Sellers can consider the work their home needs now, while weighing its cost, including any interest and fees, against what they expect to make from the sale.

"eXp Ready™ erases that ‘if.’ Up to $50,000 to make a home market-ready, nothing out of pocket, paid back at close. That's a tool that wins listings."2
Leo Pareja, CEO, eXp Realty

How It Works for You and Your Sellers 

Here's the part you'll actually use at the listing table:

  • Up to $50,000 in flexible financing, available same day after approval

  • Seller's choice of contractor, stager, retailer, or service provider, with no required vendor list

  • Nothing due until closing, repaid directly from sale proceeds1

  • 5-minute application, with no impact on your seller's credit score

  • A branded portal for you and your client to manage everything in one place

  • Available nationwide to eXp agents and their clients across the U.S.

Sellers apply through an eXp-exclusive online portal, get approved in minutes, and manage funds digitally, whether that's a card for paying vendors directly or a bank transfer to cover a contractor invoice.

Why It Matters at the Listing Table 

In the National Association of Realtors’ 2025 Profile of Home Staging, nearly half of sellers’ agents said staging reduced a home’s time on market, and almost 3 in 10 agents linked staging to a 1% to 10% bump in offer value. 

The problem was never whether prep work pays off.2 It's that a lot of sellers can't front the cost to find out. eXp Ready™ removes that excuse and gives you a real answer the next time a seller says, "I just can't afford to do all that right now."

But prelisting improvements are only one possible use for the program. Brett Sikora, founder and CEO of The Align Team, said it can become even more valuable when an unexpected expense threatens a transaction.

Sikora recently encountered a transaction that stalled about 45 days in because an oil tank needed to be removed and the seller couldn’t afford the work. He suggested the seller explore the financing as a possible way to move the deal forward.2

“The nice thing about this is you can use it for just about anything,” he says. Your HVAC could blow while you’re under contract. You could need two HVAC units that are $20,000.” 

For agents, that means eXp Ready™ could be useful before a listing hits the market or weeks later, when an expensive surprise puts the closing at risk.2

eXp Ready to Start? 

eXp Ready™ is available now to eXp Realty agents and their clients across the United States. Head to https://ready.exprealty.com/agents to learn more and get your seller clients started.

1Interest applies. Loan funds, interest, and fees are due upon closing of the sale of your seller’s home, termination or expiration of your seller’s listing agreement, suspension of the loan, loan acceleration or twelve months after loan origination, whichever is sooner. Subject to the terms of your seller’s loan agreement, as well as Notable’s terms and conditions (Notablehome.com/terms).

 

²Results 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 warrantied 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).