eXp announced two separate services on October 8, 2026: eXp Ready, a seller-preparation financing program advertised as available to eXp agents and clients in the United States, and Revenos Mortgage, a separate joint venture with Newrez planned for early 2027. eXp Ready can provide eligible sellers up to $50,000 for pre-listing work, with repayment due from sale proceeds or 12 months after origination, whichever comes first. Revenos is the planned mortgage offering for agents and clients—not the listing-prep loan.
How the two eXp offerings differ
| Offering | Purpose | Status and parties | What is disclosed |
|---|---|---|---|
| eXp Ready | Financing home preparation before listing | Announced as available across the United States to eXp agents and their clients; powered by Notable, with Notable Finance, LLC or Quorum Federal Credit Union identified as possible affiliated lenders. | Up to $50,000; interest and a one-time fee apply. Repayment timing and approval conditions are described below. Exact rates, fee amounts, and eligibility criteria are not stated in eXp’s October 8, 2026 announcement: eXp Realty’s announcement. |
| Revenos Mortgage | A mortgage offering for eXp agents and their clients | A joint venture with Newrez, announced October 8, 2026; launch was planned for early 2027. | Further borrower-benefit details were expected closer to launch. Buyers are not required to use Revenos, according to Real Estate News; Newrez’s announcement confirms the joint venture and planned timing. |
What eXp Ready can pay for
eXp describes Ready as an unsecured, pay-at-close financing program for work to prepare a home for sale. Examples in the announcement include staging, painting, flooring, and landscaping. The seller can choose the contractor, stager, retailer, or service provider.
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The company says the program has an eXp-exclusive online application, that funds may be accessible the same day after approval, and that applying does not affect the applicant’s credit score. Those are program claims, not guarantees about any particular applicant’s approval, funding time, or eventual cost.
When repayment is due—and what it costs
The announcement says no payment is due until the home sells or 12 months after loan origination, whichever happens first, subject to the loan agreement and other acceleration events. If the home sells, repayment is taken from the closing proceeds. The seller owes the amount actually spent plus interest and a one-time fee; this is not a free advance.
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eXp did not publish an interest rate, fee amount, or full eligibility criteria in the announcement. Before accepting an offer, review the lender’s disclosures and loan agreement for the total cost, approval requirements, permitted uses, and the events that can make the balance due sooner. If the property has not sold by month 12, consult the agreement for the applicable repayment obligation and timing; the announcement does not spell out that process.
Approval is subject to lender terms, eligibility, credit approval, underwriting, rules, and exclusions. eXp identifies Notable Finance, LLC or Quorum Federal Credit Union as possible affiliated lenders. The specific lender and terms should be confirmed in the documents for an individual offer.
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- DEDICATED FUNCTION KEYS for Quick Financial Solutions: Clearly labeled function keys enable you to quickly and confidently provide financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
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What is known about Revenos Mortgage
Revenos Mortgage is a planned mortgage joint venture between eXp and Newrez, powered by Newrez. The companies announced it at eXpcon in Salt Lake City on October 8, 2026, with a launch planned for early 2027. It is intended to serve eXp agents and their clients, but the announcement and reporting cited here do not establish specific rates, loan products, or borrower benefits.
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Buyers can shop with another lender; Real Estate News reported that using Revenos will not be required. eXp’s previous SUCCESS Lending venture with Kind Lending is being phased out following a mutual decision, according to the same report, so it should not be confused with Revenos.
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- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan AMT, Int, Term, PMT. This industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and much more
- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
What staging figures do—and do not—show
eXp’s announcement attributes two figures to the National Association of Realtors’ 2025 Profile of Home Staging: nearly half of sellers’ agents said staging reduced a home’s time on market, and nearly 3 in 10 attributed a 1–10% increase in offer value to staging. These are findings as summarized by eXp; they are not a guarantee that a particular project will shorten a sale or raise an offer by that amount.
Quick Recap
Best Value
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, long-life battery, 1-year warranty
Rank #4
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
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