Improve Now, Pay Later
with Windermere Ready
Leverage your home equity to make improvements before you sell, and defer all costs until closing*
- Fast Funding: Quick application and approval process
- No-interest for up to 60 days, No payments for 1 year*
- Use your favorite service pros, or find new ones on the platform
Ready to get started? Ask your Windermere Agent to invite you!
More Flexibility Than Ever
Use funds for sale-related expense that go beyond home improvements…
- Staging / Decluttering
- Cleaning & Organizing
- Painting
- New Appliances
- New Flooring
- Landscaping
- New Roof
- Furnace / HVAC
- Moving Expenses
- Short-Term Housing
- Post-Inspection Repairs
- Whatever Helps You Sell!
How it Works
Super-Fast Funding
Our quick application process will get you funded and working on projects within days—not weeks.
Freedom & Flexibility
Homeowners and their brokers can work with their preferred vendors on whatever projects they choose.
Max Transparency
The platform helps keep everyone on the same page throughout the selling cycle.
Pay When You Sell!
Complete your projects and list your home with no out-of-pocket expenses, then pay it off at close.*
FAQ
Homeowners can apply for a 24-month open-ended home equity line of credit, which includes an origination fee, a fixed interest rate, and up to 60 days no-interest period. The loan allows homeowners to access funds for home improvements and sale-related expenses for a draw period of up to six months. Disbursement of funds within the HouseAmp platform is subject to HouseAmp’s Terms of Use. Repayment of the loan, including the outstanding balance, any accrued interest, and fees, is required either upon the sale of the house or within 24 months of the origination date, whichever comes first. Monthly interest payments will be required if the loan exceeds 12 months. The outstanding loan balance and any unpaid, accrued interest will be due on the 24th month.
Loans are available through HouseAmp’s licensed lending partners. All loans are subject to approval based on lenders’ underwriting criteria.
Our program lenders charge an origination fee of 1.99% and other settlement-related fees. For approved borrowers, the origination fee and other settlement-related fees are paid from the line of credit at origination. Borrowers should review their loan agreement for specific details.
Finance charges and interest rates are subject to the terms set by the lender and may vary. For approved borrowers, settlement-related fees are deducted from the line of credit. Borrowers should review their loan agreement for specific details.
There is a minimum credit score of 650.
Loan proceeds can be used for improvements to get your home ready for sale and other expenses of sale. Any service providers involved with the sale or improvement of the home can sign up and be a part of the process. The platform supports various services, from improvements to staging to moving and storage costs. A list of service categories is available on the platform dashboard when you create your account.
A list of service categories is available on the dashboard when you create your account.
Any service provider can be invited to create an account on the platform to start working with you on projects. The platform provides service providers with efficient project management, fast and easy payments every Friday, and instant access to funds via ACH electronic deposit. In addition, service providers gain access to the vast HouseAmp homeowner network for referrals and leads. Service providers and others using the HouseAmp platform who are requesting payment from a homeowner’s available loan proceeds are subject to a 3.49% platform fee as described in the HouseAmp Terms of Use. The fee is equivalent to most credit card fees.
For more information, see Inviting a Service Provider.
Our lenders require a minimum loan of $10,000. The maximum loan amount available is $400,000. All loans are subject to approval and based on credit and available equity in your home.
Yes! Pay-later funding is available for pre-listing needs as well as last minute or inspection-related repairs.
What Homeowners Are Saying
“The platform was so easy to manage. I can’t tell you how much it lowered my stress to not have to worry about payments while my house was on the market.”
- Kai S., Homeowner
“My sellers were able to prepare their home, list their home, and sell their home in 3 weeks, for the highest price in the neighborhood, and this program was critical in making it happen.”
- Maureen D., Realtor
“Our agent recommended this for repairs before listing our home. It was easy to use and keep everyone on the same page. We have already recommended it to a friend getting ready to list!”
- Nicole and David S., Homeowners
Ready to Get Started?
Ask Your Windermere Agent to invite you!
*Loans are available through HouseAmp’s licensed lending partners. All loans are subject to approval based on lenders’ underwriting criteria. Homeowners can apply for a 24-month open-ended home equity line of credit, which includes an origination fee, a fixed interest rate, and a limited no-interest period. The loan allows homeowners to access funds for home improvements and sale-related expenses for a draw period of up to six months. Disbursement of funds within the HouseAmp platform is subject to HouseAmp’s Terms of Use. Repayment of the loan, including the outstanding balance, any accrued interest, and fees, is required either upon the sale of the house or within 24 months of the origination date, whichever comes first. Monthly interest payments will be required if the loan exceeds 12 months. The outstanding loan balance and any unpaid, accrued interest will be due on the 24th month.
All Program terms are subject to change based on the credit application and associate lenders in the market.