Market Ready Concierge · Powered by Notable

Prep your home now. Pay nothing until closing.

Patrick and the Heritage Home Team help you get your El Paso home market-ready — so it shows beautifully and sells for more, with no out-of-pocket cost today.

Up to $75,000* $0 due today No credit score impact Any contractor or vendor

A smarter way to get your home sale-ready

Coldwell Banker has replaced RealVitalize with Market Ready Concierge, powered by Notable — a program that helps fund the improvements that make your home more appealing to buyers. The best part? You pay nothing up front, and applying has no impact on your credit.

Notable facilitates financing for your eligible home-prep projects, and nothing is due until your home closes — or within 12 months of approval. You stay in control: pick the projects that matter, hire the vendors you trust, and let the upgrades pay for themselves at the closing table.

$0

Access up to $75,000* for home preparation — not limited to your commission amount.

Nothing due until closing

Why sellers love Concierge

  • Up to $75,000 unsecured — nothing due until closing or within 12 months
  • No impact to your credit to apply or access funds — soft pull only
  • Use any contractor or vendor — no required affiliations
  • Covers staging, repairs, paint, flooring, landscaping, and more
  • Multiple ways to spend: debit card, ACH, or check to your vendor

How it works

1

Plan your prep

Patrick helps you spot the upgrades that add the most value — kitchens, baths, paint, flooring, staging, and curb appeal.

2

Unlock your funds

A quick application — with no impact to your credit — unlocks up to $75,000, with nothing due today and your own trusted vendors doing the work.

3

Sell for more, repay at closing

Your refreshed home hits the market looking its best — and the funds are simply repaid from your proceeds when it closes.

Do you qualify?

Most sellers who list with Patrick are a great fit. Here’s the quick checklist — and checking uses a soft pull with no impact to your credit.

680+FICO for up to $50K
(780+ for up to $75K)
20%Minimum home equity
(10% in some cases)
Under $4MProperty list price
Soft pullNo credit score impact to apply

Market Ready Concierge — FAQ

It’s a pay-at-close program that gives sellers fast, flexible funds — up to $75,000 — to get a home market-ready for $0 upfront. You draw only what you need and repay through the closing process when your home sells.
No. Both the application and drawing funds use a soft credit inquiry, so there’s no impact to your score. There’s no hard pull and no lien placed on your property.
Up to $75,000, based on your credit and home equity. Notable sets your limit — generally 680+ FICO for up to $50K and 780+ for up to $75K, with at least 20% equity (10% in some cases). All lending decisions are Notable’s.
A wide range of pre-sale prep: staging, painting, repairs, flooring, landscaping — even storage or temporary housing. Use any contractor or vendor you like. Funds can’t be used for tax liens, existing secured debt, or closing/settlement costs.
Interest accrues at 8.99%–16.99% APR based on FICO, only on what you actually draw, plus a one-time $499 origination fee charged only if you draw funds. There are no monthly payments — nothing is due until closing.
At closing. Your funds, interest, and fees are due when your home closes, your listing agreement ends, or within 12 months of origination — whichever comes first. If it hasn’t sold in 12 months, you may request an extension or payment plan (at Notable’s discretion).
You’ll get a debit card for easy spending. Where cards aren’t accepted, you can send a bank transfer (ACH) or have a check mailed directly to your vendor through your Notable portal.
If you never draw any funds, you can close the loan at no cost — the $499 fee applies only on your first draw. If you did draw funds and choose not to sell, the amount you used will need to be repaid.

Still have questions? Ask Patrick or reach Notable support at 1-855-953-5833.

Curious what Market Ready Concierge could do for your sale? Let’s map out your home-prep plan.

Talk to Patrick

*Up to $75,000, subject to Notable’s approval; amount varies by FICO and home equity. Applying and drawing funds use a soft credit pull with no impact to your credit score. Nothing is due until your home closes, your listing agreement ends, or within 12 months of loan origination — whichever comes first. A one-time $499 origination fee applies only if funds are drawn, and interest accrues at 8.99%–16.99% APR based on FICO until the loan is repaid. Sellers choose their own vendors and the services that fit their listing strategy. Market Ready Concierge is powered by Notable; loans are made by Notable Finance, LLC (NMLS# 1824748) or Quorum Federal Credit Union and are subject to credit approval and underwriting. ©2026 Coldwell Banker. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC.

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©2022 Coldwell Banker Real Estate LLC. A Realogy Company. All Rights Reserved. Coldwell Banker, the Coldwell Banker Logo, Coldwell Banker Global Luxury, and the Coldwell Banker Global Luxury logo are service marks registered or pending registration owned by Coldwell Banker Real Estate LLC. Coldwell Banker Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each Office Is Independently Owned And Operated. Listing information is deemed reliable, but is not guaranteed.