Financing

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Pay At Closing


Our Pay at Closing Line of Credit is a low friction unsecured line of credit that will help you pay for List Ready Renovation services. With the Line of Credit paid back upon the sale of the home. No monthly payments! Fast Application – Approval in Minutes:

Apply at List Ready Assist for loan approval in minutes – no impact to credit profile.

Soft pull credit report, minimum fico of 680.

Unsecured line of credit up to $75,000.

No income nor assets are required.

No payments, line of credit repaid at loan closing (interest will accrue)

Our Pay at Closing line of credit can also be used for more than home repairs and improvements. Eligible expenses include home staging, moving and storage costs, even temporary housing; helping ease the financial burden of preparing your home for sale and making your next move.

Pay At Closing

Introducing List Ready Assist Line of Credit!

If we are in a situation where improvements need to be paid upon completion of work versus payment made when the home sells, we have a solution! This Pay at Closing Line of Credit is a low friction unsecured line of credit that will help your sellers pay for List Ready Renovation services as soon is work is completed. With the Line of Credit paid back upon the sale of the home. No monthly payments.

Our Pay at Closing Line of Credit is a low friction unsecured line of credit that will help you pay for List Ready Renovation services. With the Line of Credit paid back upon the sale of the home. No monthly payments.

Fast Application – Approval in Minutes:
Apply at List Ready Assist | Provided by Notable for loan approval in minutes – no impact to credit profile.

  • Soft pull credit report, minimum fico of 680.

  • Unsecured line of credit up to 10% of the list value (assuming sufficient equity)

  • No income nor assets are required.

  • No payments, line of credit repaid at loan closing (interest will accrue)

  • Your clients can transfer Line of Credit funds to their bank to make payment to List Ready Renovation or receive a card to shop at any home improvement store.

Our Pay-at-Closing line of credit can also be used for more than home repairs and improvements. Eligible expenses include home staging, moving and storage costs, and temporary housing; helping ease the financial burden of preparing your home for sale and making your next move.

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How Much Does It Cost to Use Buy Before You Sell?

  • Focus on finding your next home without waiting for your current home to sell. Depending on the program, Buy Before You Sell financing may help you present a cash-backed or non-contingent offer, move on your preferred timeline, and avoid living through renovations and showings.
    Once you’ve moved, List Ready Renovation manages the improvements from start to finish. With the home vacant, our team can often work more efficiently while preparing it to meet today’s buyer expectations.
  • The Cash Advantage Signature program fee is 1.9% of the new loan amount.
  • The Equity Advance program fee is 2.4% of your departing home sales price.

Maximizing Equity

If you’re here; then you are considering selling your home, purchasing another, and in need of a mortgage. If you’re like most of us; you need the equity of your current home for the down payment on a new home.  And many of us can’t afford or do not want to pay, a double mortgage payment.

List Ready Renovation Proudly Offers These Solutions:

BUY BEFORE SELL: This suite of products allows you to spend your time where it counts, finding a new home you love! A strong cash and/or non-contingent offer is presented. Close in days, if you choose, and skip the showings on your departing home. List Ready Renovation will renovate your departing home positioning it for a stronger more successful sale. 

You submit a cash offer, no contingencies.  You complete all inspections, and the Cash Advantage Signature loan will advance to you 95% of the funds needed to purchase the new home.  You supply the remaining 5% down and close with cash in your name.

 

Move into your new home and work with List Ready Renovation to complete the improvements to your departing home, positioning your home to compete at its best.  You’ll re-finance the Cash Advantage Signature loan into a traditional loan that aligns with your home loan goals.

 

No monthly payment; interest will accrue and be collected at refinance.

You’ll submit an offer with financing but no sale contingency.  Equity Advance will advance up to 75% of the equity in your current home for use toward purchasing your new home.  Further, a pre-determined guaranteed sale price on the departing home is offered (assuming the departing home does not sell in 120 days) - allowing you to qualify for your new home without accounting for the mortgage payment on the departing home.

 

There is no interest nor payment due on the Equity Advance. The Equity Advance is repaid when the departing home sells.

You submit a cash offer, no contingencies.  You complete all inspections, and the Cash Advantage Signature loan will advance to you 95% of the funds needed to purchase the home.  You supply the remaining 5% down and close with cash in your name.

 

Move into your new home and work with List Ready Renovations to complete the improvements to your departing home, selling it for top dollar.  You’ll re-finance the signature loan into a traditional loan that aligns with your home loan goals.

 

No monthly payment; interest will accrue and be collected at refinance.

You’ll submit an offer with financing but no sale contingency.  Equity Advance will advance up to 75% of the equity in your current home for use toward purchasing your new home.  Further, a pre-determined guaranteed sale price on the departing home is offered (assuming the departing home does not sell in 120 days) - allowing you to qualify for your new home without accounting for the mortgage payment on the departing home.

 

There is no interest nor payment due on the Equity Advance.

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Why Would I Use
Buy Before Sell?

  • Move once!
  • Buying first assures you purchase the home you want so you don’t feel rushed into buying a less desirable home.
  • Get the home you want by removing contingencies.
  • You avoid inconvenient showings, keeping your home “showroom” ready, especially challenging with children and/or pets.
  • Remove the attempt to “time” your departing sale and new purchase as “back-to-back” closings.
  • List Ready Renovation can quickly complete repairs and renovations –eliminating the need for your schedule and lifestyle disruption.
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How Do I Qualify for Any of The Buy Before Sell Programs?

Our Mortgage Specialist, Kathy Nau is well-versed and very experienced in providing these financing solutions.  She’ll provide in-depth information on:

  • Program requirements
  • Qualifying
  • Cost
  • Terms
  • Timeline
  • Expectations

To formally approve you for the Buy Before Sell program, a formal application is submitted along with supporting documents for income, assets, and credit.  The formal approval is a process that can be completed within 24 hours in most cases.  Written loan and program disclosures are provided to you.  And the best part, the credit report is good for 120 days.

There is no cost nor obligation to complete the program approval.

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Mortgage Options for Your Next Chapter:

Every homeowner’s next chapter looks different, and the right financing should reflect that. Kathy Nau has spent three decades helping homebuyers find mortgage solutions that fit their needs and long-term goals. Her approach is personal, straightforward, and centered on understanding the complete financial picture - not just the mortgage. Whether you are buying your next home, downsizing, or planning for retirement, she provides straightforward guidance and personalized options.

Kathy offers a full range of traditional mortgage programs, including conventional, FHA, VA, jumbo, and other financing solutions. For homeowners 62+, she can also explain how a Reverse Mortgage may help them purchase a new home, access a portion of their equity, or support their longer-term financial goals. Traditional and reverse mortgages work differently, so a personal review can help you understand the benefits, costs, and considerations of each before making a decision.

Not sure which direction is right for you? Schedule a complimentary, no-obligation consultation with Kathy for an experienced opinion and a clear comparison of your available options.

How Do I Get Started?

For more specific details on the Buy Before Sell suite of programs; or just seeking an evaluation on mortgage financing in general, click here to reach Kathy Nau, Financing Consultant. You can also contact Kathy directly at [email protected] or by calling (303) 668-2100

Wanting more information on your home’s initial valuation or the array of improvements available to sell your home for top dollar – book a consultation with List Ready Renovation.

Let's Work Together

We help homeowners and Realtors identify and complete smart, design-forward improvements that can strengthen a home’s market appeal. By managing the renovation process from start to finish, we make preparing a home for sale easier—with the goal of getting it Listing Ready in 30-45 days or less and positioned for a successful sale
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Contact Details

List Ready Renovation

Phone

(303) 933-7897

Email

[email protected]

Phone

(866) 258-6974

Address

7851 South Elati St Suite 101 Littleton CO 80120

FRED NAU

Email: [email protected]

PHONE:(303) 668-2992


KATHY NAU

EMAIL:[email protected]

PHONE:(303) 668-2100

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