What Is the HomeSale Loan?
Overview
The HomeSale Loan is HouseAmp's flagship pre-sale financing product. It provides homeowners with funding to complete strategic improvements before listing — with repayment deferred until closing.
Key Features
| 💰 Financing up to $250,000 for eligible properties |
| 📅 No monthly payments for up to 12 months — the loan is repaid at close of sale |
| 🔨 Contractor payments made directly by HouseAmp — never to the homeowner |
| 📋 Use your own contractors or find one through the HouseAmp platform |
| 🗺️ Available in select states — see current availability below |
Who Is It For?
The HomeSale Loan is designed for homeowners who want to maximize their sale price by completing repairs, updates, or improvements before listing — without using out-of-pocket cash or a home equity line of credit.
How Is It Different From a Home Equity Loan?
🏠 HomeSale LoanNo monthly payments. Tied specifically to your planned home sale. Repaid entirely from closing proceeds. No long-term debt obligation. | 🏦 Traditional HELOC / Home Equity LoanRequires monthly payments. Creates long-term debt. Often requires an appraisal and extended underwriting. Not designed around a sale timeline. |
Current Availability
The HomeSale Loan secured program is currently available in: Washington, California, Oregon, and Florida.
💡 Coming Soon: A signature program (no deed of trust required, up to $100,000) is in development and will expand availability to additional states including Virginia, Maryland, and Washington D.C. Contact support for updates on availability in your area.
Related Articles
How do I find my Loan Number?
Your Loan Number is listed on your loan documents. If you are unable to locate these documents, you can also find your Loan Number within the HouseAmp platform by following these steps: Log in to your HouseAmp account. Click on the Settings icon in ...
What Is the Improve to Stay Program?
Overview Not every homeowner is selling. HouseAmp's Improve to Stay program provides financing for homeowners who want to fund significant renovations and remain in their home — on extended 15 and 20-year terms. How It Differs From the HomeSale Loan ...
Are there any fees associated with obtaining a loan?
Yes, but there are no fees or payments due until you sell*. We’ve worked with our lender network to offer loan terms that give you time to prepare your home and sell it (such as an interest-free period and deferred payments) with no up-front ...
How to Unfreeze or Unblock Your Credit
How to Unfreeze Your Credit If you want to apply for a HomeSale Loan, you'll need to remember to unfreeze, or thaw, your Experian credit report first. Similar to freezing your credit, you can do this online, by phone or by mail. You'll also be able ...
Which States Does HouseAmp Currently Serve?
Overview HouseAmp operates across 38 states, but not all financing products are available in every state. Here is the current breakdown by program. Current Program Availability ✅ Secured Financing — HomeSale Loan (up to $250,000) Currently available ...