A signed listing agreement
The loan is built for sellers, so a listing agreement with a real estate agent is required. If you are still choosing an agent, ask us: we work alongside agents across Dallas and Collin County every week.
Pay at closing · Dallas, TX
Renovate Now, Pay at Closing
The renovation that sells your home no longer has to come out of pocket. Through our financing partner Notable, sellers can cover the pre-sale work, and the rest of getting a home ready, with nothing due until the home closes.
- Up to $75,000, nothing due until closing
- No credit impact to apply or to use the funds
- Interest from 0.75% a month, plus a $499 fee, paid at closing
$75KMaximum loan amount
0.75%Interest per month, as low as (8.99% APR)
$499One-time fee, paid at closing
2 minApplication, with a soft credit check
How it works
Four Steps, Nothing Up Front
The renovation runs the way it always does. Notable covers the cost, and your closing pays it back.
- 01
Get Your Estimate
We walk the home and deliver a comprehensive, itemized estimate within 48 hours of the walkthrough, scoped to the buyers in your neighborhood.
- 02
Apply With Notable
A two-minute application with a soft credit check that does not affect your score. You see an instant estimate of what you qualify for, up to $75,000.
- 03
We Renovate
Notable funds the work. Refreshes finish in three to six weeks, larger remodels in eight to twelve, on a schedule set before work starts.
- 04
Repay at Closing
The loan, interest, and the one-time fee are paid from your proceeds when the home closes.
What it costs
Interest Only on What You Use
Notable charges interest from 0.75% a month (8.99% APR) on the funds you draw, plus a one-time fee of $499. Both are paid at closing, along with the loan itself. Nothing is due while the work is under way or while the home is on the market.
Notable's own example: most homes sell in about three months, and at their average of about 1% a month that works out to roughly 3% in interest at closing, charged only on what you spent.
- Draw only what the renovation needs. The estimate is itemized, so you know the number before you apply.
- Twelve months to sell. If the home has not sold by then, Notable offers an extension or a payment plan.
- Buying too? Notable's team can walk you through how the loan interacts with a new mortgage.
Use Notable's calculator to estimate listing expenses and repayment for your own home.
Who qualifies
Notable's Requirements
Eligibility is decided by Notable, not by us, and every loan is subject to their credit approval and underwriting. The basics they publish:
Credit and equity
A minimum credit score of 680 and at least 20% equity in the home. The application uses a soft inquiry, so checking does not touch your score.
The property
You own the home, or can act on the owner's behalf, and the list price is under $6 million. Notable can also work with homes held in an LLC, trust, or estate; ask them about your situation.
What $75,000 covers
Renovated to Sell, Then Sold
Two of our pre-sale renovations show the range. A refresh like Biscayne fits inside the loan in full; a whole-house scope like Azure Ln. can use Notable for the first $75,000.
$60K in · sold $699K
Biscayne, Frisco
Sat 120 days and dropped to $550,000. Counters, backsplash, floors, baths, paint. Sold for $699,000.
3 weeks · $143K at closing
Haven Pl., Allen
A rental with oak cabinets and dated baths became the blue-and-white kitchen buyers photograph, in three weeks.
$135K in · sold $1.1M
Azure Ln., Addison
Originally priced at $750,000. Kitchen, baths, floors, and paint. Sold for $1.1 million.
Pay-at-closing questions
How Paying at Closing Works
Straight answers from your local experts. All questions.
Is Renovation Sells Dallas the lender?
No. Loans are made by Notable Finance, LLC, or Quorum Federal Credit Union. We renovate the home; Notable handles the application, the approval, and the repayment at closing. Their support team is available by phone, text, and email.
Will applying affect my credit score?
No. Notable uses a soft credit inquiry for the application and approval, and drawing funds does not affect your score either.
What can the money be used for?
Virtually anything that helps get the home ready to sell: the renovation itself, plus staging, painting, repairs, landscaping, and even storage or temporary housing while the work is under way.
What does it cost?
Interest from 0.75% a month (8.99% APR) on what you draw, plus a $499 one-time fee. Both are paid at closing, and nothing is due until the home closes.
What happens if the home does not sell?
You have twelve months to sell. If the home has not sold by then, you can request an extension or set up a payment plan. If you decide not to sell, the loan needs to be repaid.
Do I need a real estate agent?
Yes. A signed listing agreement is one of Notable's requirements. We walk the home with you and your agent, and agents can start with a 15-minute listing review.
How much can I borrow?
Up to $75,000, depending on Notable's review of your credit, equity, and list price. Their instant estimate shows what you would qualify for before you apply.
Can I use it for a renovation I am not selling?
No. The loan is for homes that are being sold, and it is repaid at closing. For a kitchen or bath you plan to keep, see Renovate to Stay.
The fine print
Loan Terms and Disclosures
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.
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 (notablehome.com/terms).
Renovation Sells Dallas is not a lender and does not make credit decisions. Questions about the loan go to Notable: call 1-833-998-5287, text 1-831-777-5503, or email [email protected], Monday to Friday, 9 AM to 9 PM Eastern.
Sell-ready, nothing up front
Start With the Walkthrough
A quick conversation, an in-person walkthrough, then a comprehensive estimate within 48 hours of that visit. Apply with Notable once you have the number.