• Judy Sin

Selling in Lamorinda? We'll front your preparation costs, with no fees and 0% interest

Compass Concierge is the hassle-free way to prepare your home for market. Work with Lamorinda realtor Judy Sin to determine remodeling projects with the highest ROI for your home. You will sell your home faster and for a higher price, without paying for preparation out of pocket before closing. Why are we doing this? Because we want to earn your business.


From staging to roofing and everything in between, Compass Concierge offers clients a 0% APR loan with no up-front costs or hidden fees to help you prepare your home for market.


COMMON USE CASES

  • New Appliances

  • Light Fixtures

  • Paint • Roofing

  • Flooring

  • Landscaping

  • Moving & Storage

  • DIY Projects

  • Post-Inspection Repairs and many more!






HOW CONCIERGE CAPITAL WORKS


Concierge Capital is made available by Notable, an independent lender, offers clients a 0% APR loan with no up-front costs or hidden fees to help you prepare your home for market. Concierge Capital helps you enhance the marketability of your home and simplify the process of preparing it for sale.


Step 1: Apply For A Loan


Once you’ve signed an Exclusive Listing Agreement (ELA) with Lamorinda realtor Judy Sin, you can apply for Concierge Capital.


From there, we will work together to come up with a refresh plan and budget. Complete the loan application through Notable’s website at to determine loan eligibility. This quick online application will ask for customary loan underwriting information, as well as for the name of your Compass Agent. If you are applying using power of attorney on behalf of someone else or the property is part of a trust or estate, Notable will require additional documentation.


You should expect to hear back from Notable within 3 business days.



Step 2: Agent Confirmation & Release of Funds


Upon approval (by Notable) and confirmation by your Compass Agent Judy Sin, funds will be disbursed to you via a Concierge Capital Debit Card. A virtual card will be made available the same day as approval and your physical debit card will arrive within 5 to 7 days.



Step 3: Complete Your Concierge Project


Working with your Compass Agent, you’ll select and engage vendors of your choice to complete work on your home. Please note, you may also use your Concierge Capital Debit Card in stores and online to purchase home improvement materials, staging props as well as moving and storage goods.



Step 4: Notify Notable of Closing & Repayment


Concierge Capital funds are due back to Notable at the close of sale or the first applicable milestone in your lending agreement (e.g., de-listing your home, terminating your ELA with your Compass Agent, 12 months elapsing after Notable’s approval of your Concierge Capital loan, etc).


When your home enters into contract and a sale becomes pending, you or your agent must notify Notable of the upcoming closing. A final invoice will be issued 7 days before the closing date to allow you to use any remaining funds prior to close.



YOUR QUESTIONS, ANSWERED


Q: Does applying for Compass Capital affect my overall credit score and future loan eligibility or hit my credit report?


A: In almost all cases, no. Consumers in California borrowing less than $10,000 may have those borrowings reported to a credit agency.


Q: How long does the Concierge Capital application take?


A: Most are very quick! For some borrowers, additional documents (mortgage statements, trust agreements, etc.) may be requested. Make sure you respond to Notable in a timely manner to ensure things are not delayed.


Q: Are there any upfront fees or interest?


A: No! This is a no upfront fee, 0% APR loan.


Q: What if my vendors don’t take debit card?


A: Should you need to pay a vendor via cash or check, you may submit a cashout request or request a check be sent directly to your vendor via your Notablefi.com portal. With a cashout, Notable will deposit funds directly into the bank account that you have registered with Notable, allowing you to pay cash directly to your vendor or via a payment app such as PayPal or Venmo.


All requests after the first $5K will require proof of invoice or submission of a scope of work document. Please allow up to 7 business days for cash transfers to your account and up to 14 days for check payments to reach vendors via the post.


Want to learn more about Compass Concierge?


Visit https://www.compass.com/concierge/judy-sin or contact Judy Sin directly at judy.sin@compass.com or 646.262.7952