Selling · Market Ready Concierge
Preparing your North Shore home for market
The right preparation is usually smaller and more deliberate than sellers expect. Start by deciding what is actually worth doing. If the work makes sense but paying for it up front does not, Market Ready Concierge, powered by Notable, is one financing option some Compass sellers may be able to use.
Start with the house
What is actually worth doing before you sell?
Not every improvement belongs on a pre-listing list. The useful question for each project is whether it removes a buyer objection, improves how the home reads in person and in photographs, or protects the price strategy — and whether it can be done well before the launch date. Your agent makes that call house by house after a walk-through.
Condition and presentation
- Repairs a buyer or inspector is likely to flag: leaks, failed caulk, loose railings, non-working fixtures.
- Deep cleaning, decluttering and editing furniture so rooms read clearly.
- Touch-up or repainting where walls are marked, dated or very personal in color.
- Basic exterior care: entry, gutters, beds, lawn edges and lighting.
Targeted updates
- Staging or partial staging of the rooms buyers judge first.
- Refinishing worn floors or replacing tired carpet.
- Swapping dated light fixtures and hardware.
- Seller-side inspections, so known issues are found and priced before buyers find them.
Big or uncertain projects
- Major renovations chosen for an imagined buyer’s taste.
- Work with an open-ended scope, long lead times or permit uncertainty.
- Anything that cannot be finished, cleaned up and photographed before the launch.
- Projects whose cost you would not expect a buyer to recognize in the price.
Timing matters on the North Shore. Exterior photographs taken while the yard looks its best can be held for a later listing, and the best month to list differs by town. See the Best Time to Sell research and paint colors for staging.
One possible tool
Where Market Ready Concierge may help
Sometimes the work is clearly worth doing, but paying for it before the sale is the problem — the money is tied up in the house, or the timing is tight.
Since October 1, 2026, Market Ready Concierge, powered by Notable, has been Compass’s primary home-preparation program. It is a financing program that may provide funds for eligible pre-listing preparation costs. Repayment is due at the earliest of the program’s repayment triggers — the sale closing, the listing agreement ending, the loan being suspended or accelerated, or twelve months after the loan is made — so it can come due before the home sells.
It is credit, not a discount. Interest, fees, eligibility requirements and other terms apply; approval is not guaranteed; and the applicable terms are set by the lender and may change. Before you apply, review the lender’s current program terms and disclosures. The agent you choose can explain how the program may fit into your pre-market preparation plan and direct you to the current lender information.
Decide what the house needs first. Decide how to pay for it second.
Financing should never be the reason a project gets done. If the work isn’t worth doing, it isn’t worth borrowing for.
Step by step
How the program works
The sequence below describes the program in general terms. The loan agreement controls, and details can vary by state.
Walk-through and scope
Your agent walks the home with you, recommends what to do and what to skip, and helps you set a realistic budget and timeline.
Lender review
If financing makes sense, you apply through the program. Notable reviews the application and sets any approved amount; approval is not guaranteed.
Work is completed
You choose the service providers. Approved funds can be spent by debit card, ACH transfer or vendor check. Your agent can suggest service providers when appropriate.
Repayment
Amounts owed, including interest and fees, are typically repaid from the sale at closing, or earlier if the loan terms require it.
At a glance
Current program overview
| Program | Market Ready Concierge, powered by Notable — Compass’s primary home-preparation program since October 1, 2026. Compass Concierge Capital stopped accepting new applications after September 30, 2026. |
|---|---|
| Amount | Up to 10% of the list price, capped at $75,000. The amount offered can vary with credit score and other factors. |
| List price | Homes listed at up to $4 million. |
| Cost | $499 origination fee. Annual interest of 8.99%–16.99%, based on credit score. Interest continues until the loan is repaid. |
| Credit and equity | Minimum 680 FICO for amounts up to $50,000; minimum 780 FICO above $50,000. Approximately 20% equity in the home. |
| Ownership | Owners, and those authorized to act for them. LLCs, trusts, estates and powers of attorney may qualify, subject to the program. |
| Spending | You choose the service providers. Funds can be spent by debit card, ACH transfer or vendor check. |
| Security | The loans are unsecured and do not place a lien on the property. |
| Repayment | Due at the earliest of: the closing of the sale; termination or expiration of the listing agreement; suspension of the loan; acceleration of the loan; or twelve months after the loan is made. |
| Who lends | Loans are provided through Notable and made by Notable Finance, LLC (NMLS# 1824748) or Quorum Federal Credit Union. Compass and its affiliated brokerages are not lenders. |
| Approval | Eligibility, approval and results are not guaranteed. |
| Is it required? | No. You do not need to use the program, or any particular vendor, to work with your agent or Compass. |
Program information reviewed October 2026, from Compass’s October 1, 2026 Market Ready Concierge notice and its September 2026 program sheet. Terms may vary by state and are subject to change. Confirm current Illinois availability and terms through the program before applying.
Eligible preparation work
What it may be used for
Market Ready Concierge can support a wide range of eligible home-preparation projects. Compass specifically cites structural work such as roofing, and conveniences such as temporary housing.
Sellers choose the service providers and the services that support their listing strategy. Whether a particular expense is eligible remains subject to the program and loan terms, so ask before committing to a project you plan to finance.
Program information from Notable (each opens in a new tab): Market Ready Concierge application · cost calculator · terms and loan disclosures
An honest fit check
When Concierge may and may not make sense
- The walk-through has identified work that is worth doing.
- You would rather not pay for it from savings before the sale.
- The work can be completed in a short, defined window before the launch.
- You are comfortable with the interest and fees in exchange for timing and convenience.
- You plan to list the home with a Compass agent.
- The project is small enough to pay for directly.
- The scope is large, structural or uncertain.
- Your sale timing is uncertain, or you might withdraw the listing — repayment can come due before a sale.
- You would prefer not to take on another credit obligation.
- You are not convinced the work is worth doing at all. In that case, skip the work.
While the work is underway
Preparing before full public marketing
Some sellers prefer a more limited start while preparation is finished. Compass offers options such as Private Exclusives and Coming Soon. Whether either is appropriate — and how each works under current local rules — depends on the home, your goals and the trade-offs of limiting exposure. Your agent will explain the options before you decide.
Private Exclusives
A private strategy can suit some sellers, but it does not guarantee a buyer, a price or a particular outcome.
How Private Exclusives work →Coming Soon
Coming Soon homes are publicly visible on Compass before they become active listings.
See current Coming Soon homes →Seller questions
Questions sellers ask
Is Market Ready Concierge the same as Compass Concierge?
Market Ready Concierge became Compass’s primary home-preparation program on October 1, 2026. Compass Concierge Capital, the earlier program many sellers know as Compass Concierge, stopped accepting new applications after September 30, 2026. Market Ready Concierge is powered by Notable, and its terms differ from the earlier program, so rely on the current program terms and disclosures rather than older descriptions you may find online.
Does it cost anything?
Yes. It is a financing program. Compass’s current program materials list a $499 origination fee and annual interest of 8.99%–16.99%, based on credit score, and interest continues until the loan is repaid. Review the lender’s current rates, fees and loan documents before you apply.
Who provides the money?
Loans are provided through Notable and made by Notable Finance, LLC or Quorum Federal Credit Union. The loans are unsecured and do not place a lien on the property. Compass, its affiliated brokerages and the agents named on this page are not lenders, do not make credit decisions and do not provide the preparation services themselves.
What happens if my home doesn’t sell?
Repayment is due at the earliest of the closing of the sale, termination or expiration of the listing agreement, suspension or acceleration of the loan, or twelve months after the loan is made. Interest continues until the loan is repaid. Read the loan agreement carefully before you apply.
Do I have to use the program to work with a Compass agent?
No. Many sellers pay for preparation directly, and many homes need very little. The program is one option, not a requirement.
Is it available on the North Shore?
Program availability and terms can vary by state. Before you apply, review the lender’s current program terms and disclosures.
Is this financial or legal advice?
No. This page is general information. The agent you choose can explain where the program may fit within a pre-market preparation plan, but does not provide lending, legal, tax or financial advice. Consider speaking with your own financial or tax advisor.
Your next step
Start with a pre-market walk-through.
Your agent will look at the home, the likely value range and the work worth doing — and, if it is relevant, how Market Ready Concierge may fit into your pre-market preparation plan. A walk-through can be useful months before a sale.
Lisa Finks, Lourdes Arencibia and Carolyn Duris are independently licensed Compass agents who collaborate. Each represents her own clients. More on selling on the North Shore.
Program and compliance disclosures
Up to 10% of list price allowed for loan; capped at the $75,000 maximum. Loan amount may vary depending on FICO and other factors. A minimum 680 FICO score for loans up to $50,000 and a minimum FICO score of 780 for loans over $50,000; seller must have at least ~20% equity in the home.
Interest applies. Loan funds, interest and fees are due upon closing of the sale of the seller’s home, termination or expiration of the seller’s listing agreement, suspension of the loan, loan acceleration or twelve months after loan origination, whichever is sooner. Notwithstanding the Loan Repayment Date in the loan agreement, an origination fee will apply, and interest will continue to accrue until the loan is repaid in full. Subject to the terms of the seller’s loan agreement, as well as Notable’s terms and conditions (notablehome.com/terms).
Rules and exclusions apply. No guarantees or warranty of results are provided. Subject to additional terms and conditions. Interest may apply. All property enhancement services are provided by the applicable service providers.
The Market Ready Concierge loan program is provided by Notable, a company engaged through a services agreement with affiliated companies of Compass International Holdings. Compass International Holdings is the ultimate parent company of the listing brokerage, and of the franchisors who are making the offering available to franchisee members of their networks. Market Ready Concierge loans are provided by Notable and made by either Notable Finance, LLC (NMLS# 1824748), an affiliated lender of Notable, or Quorum Federal Credit Union. Notable Finance, LLC loans are made or arranged pursuant to a California Finance Lenders Law license. Loan eligibility is not guaranteed, credit limits vary, and all loans are subject to credit approval and underwriting by Notable. Neither Compass International Holdings, nor any of its respective franchisees, affiliated brokerages or affiliated companies, is providing loans, or any property enhancement product or service, in connection with the Market Ready Concierge program. Fees or interest may apply. This information is provided for informational purposes only and is not a solicitation, recommendation, offer or promise to provide services. Neither Compass International Holdings nor its affiliated brokerages, franchisees or affiliated companies are offering legal, financial or other professional advice.
Program information reviewed October 2026. Use of the program is not required to obtain real estate brokerage services from Compass.
Lisa Finks is a licensed attorney; real estate brokerage services only. Lisa does not act as legal counsel for real estate clients or provide legal advice.
Compass is a licensed real estate broker and abides by Equal Housing Opportunity laws. See Licensing & Disclosures.