HouseAmp connects homeowners with financing to fund pre-sale improvements or home upgrades without paying out of pocket upfront. Here is how the process works from application to closing.
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Step 1 — Submit Your Application Your real estate agent or mortgage loan officer will invite you to the HouseAmp platform, or you can apply directly. The application collects basic information about you and your property. |
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Step 2 — Risk Review and Approval Your application is reviewed by HouseAmp's lending partner for credit and equity eligibility. You will receive a decision within a few business days. If approved, you will see the amount available to you. |
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Step 3 — Select Your Improvements Work with your agent or contractor to decide which improvements you want to make. Common projects include painting, flooring, kitchen and bath updates, landscaping, and staging. |
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Step 4 — Contractor Payment HouseAmp pays your approved contractors directly. Funds never pass through your hands. This protects you and ensures money is used for the approved work. |
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Step 5 — Complete Your Improvements Your contractors complete the work. Your agent manages the project timeline alongside your listing preparation. |
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Step 6 — List and Sell Your home goes on the market in move-in-ready condition. HouseAmp-improved homes have a median of 18 days on market. |
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Step 7 — Repayment at Closing The financing is repaid from your sale proceeds at closing. There are no monthly payments, for 12 months, while your home is on the market. |
| 💰 Financing up to $250,000 for eligible properties |
| 📅 No monthly payments in first 12 months / interest only month 13-24 — repaid at close of sale |
| 🔨 All contractor payments are made directly by HouseAmp — never to the homeowner |
| 🗺️ Available in select states — contact support to confirm availability in your area |