Coldwell Banker Market Ready Concierge
Up to $75,000 to get your home market ready. Nothing due until closing.
Selling a home costs money, and every dollar of it lands before you have a buyer. Market Ready Concierge, powered by Notable, funds the paint, the flooring, the repairs and the staging now, and it is settled through the closing process.
What it pays for
Nearly everything it takes to get a house to market
This is not a short list of approved services. Market Ready Concierge covers most home-selling expenses, and there are no restrictions on which vendors you use. Bring in my contractors, or bring in yours.
- Interior and exterior paint
- Flooring repair and replacement
- Kitchen and bath updates
- Staging
- Professional cleaning
- Landscaping and curb appeal
- Electrical, plumbing and HVAC repairs
- Roof and exterior repairs
- Decluttering and junk removal
- Moving assistance
- Handyman work and carpentry
- Most other home-selling expenses
You have six months from approval to use the funds, so the scope can grow if the walkthrough turns something up.
Typical timeline
Two to three weeks of work
Finished, cleaned and staged before the first photograph is ever taken. I build the schedule backward from your listing date so the house is done, not in progress, when the camera shows up.
How it works
Four steps, and the first one takes minutes
Nothing here commits you to anything. The walkthrough and the bids cost you nothing, and plenty of sellers look at the numbers and list as is. That is a perfectly good answer.
We walk the house
I go room by room and mark what a buyer will price against, including the things not worth touching. Then I get you real written bids.
You apply in minutes
I send you the application link. It works from any device, takes minutes, and it is a soft credit pull, so there is no credit impact to find out what you qualify for.
Funds land, work starts
Accept the offer and the money is available fast, by prepaid card, direct deposit or a check straight to your vendor. I run the schedule against your listing date.
It is settled at closing
No monthly payments while you are on the market. The balance comes out of the proceeds through the closing process.
What it actually costs
Interest runs only on what you actually spend, and only for as long as you hold it.
Most homes sell in about three months. Coldwell Banker’s own example: at roughly 1% a month, a home that sells in three months pays about 3% interest at closing, on the amount drawn rather than the amount approved. Pricing runs from 0.75% per month, an 8.99% annual percentage rate, to 1.42% per month, a 16.99% annual percentage rate, plus a one-time $499 origination fee.
Straight talk before you apply
It is a loan, and repayment is not contingent on the house selling.
I would rather you hear this from me than find it in the paperwork.
- Notable is the lender. Not Coldwell Banker, and not me. The credit decision and the loan agreement are theirs, and I am not paid by them.
- The balance comes due at the earliest of four things: the sale closing, your listing agreement ending, loan acceleration, or twelve months after origination.
- Interest accrues the whole time, even though no payments are due until closing. If the sale does not net enough to cover the balance, you owe the difference.
- You have to qualify. As published: 680 FICO for up to $50,000, 780 for up to $75,000, list price under $4 million, enough equity, and a signed listing agreement.
None of that makes it a bad deal. On a house where twenty thousand dollars of paint and flooring moves the sale price by sixty, the math is not close. It makes it a decision worth understanding, which is exactly what the Guide is for. And if you have the cash on hand and would rather pay for the work yourself, that is the cheaper path and I will tell you so.
This tends to be the right move when
- The fixes are cosmetic and the house is otherwise sound
- You have equity, so the balance is small against what the sale nets
- You are committed to selling on a defined timeline
- The bids show a clear gap between what the work costs and what it adds
I would steer you elsewhere when
- You are not sure you actually want to sell yet
- The property needs structural or permitted work
- Equity is thin enough that a slow market could leave you short
- It is a genuine fixer, where a cash sale as is likely beats a renovated retail sale after costs. I run those numbers too.
Free, no obligation
Get the Market Ready Concierge Guide
The full program details in one document: what qualifies, what it covers, the current rates and fees, how repayment works at closing, and the questions worth asking before you apply. I will send it over along with a note on what I would actually do at your address.
- The complete Coldwell Banker program overview
- Qualification tiers and current published pricing
- My read on which improvements pay off in Danville, Alamo, Walnut Creek and San Ramon
On its way
Check your inbox.
The Guide is headed to you now. If it has not landed in a few minutes, look in promotions or spam, or text me at 925-917-3970 and I will send it directly.
Or start with the walkthrough
One visit tells you whether any of this is worth doing.
No cost, no listing agreement, no pressure. I walk the house, mark what a buyer will price against, and get you written bids so you are deciding with numbers instead of opinions.
Chris Lee LunaRealtor®, Coldwell Banker Realty
Danville / BlackhawkServing Contra Costa and Alameda counties
Call or text925-917-3970
California DRE#02226845 · CREN
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. Program availability, eligibility requirements, approved services, amounts and pricing vary, are set by the program provider and are subject to change.
