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A fast, clear path from property issues to market-ready.
The D.E.P.P. (Deferred Equity Payment Program) is a deferred payment home renovation solution designed specifically for real estate agents and home sellers who want to maximize sale price without taking on unnecessary financial risk. This program allows sellers to complete critical home improvements now using a pay at closing renovation model, meaning most renovation costs are paid only after the home sells.
By offering renovation financing for home sellers with minimal upfront commitment, D.E.P.P. removes the most common barrier to pre-sale renovations. Sellers gain access to a no upfront cost home renovation pathway that aligns property improvements directly with resale performance, not personal cash flow.
That is why we created the D.E.P.P. Program. It is a pre-sale home improvement solution that gives agents the ability to offer sellers a “fix now, pay later” option with only a small down payment required. The goal is to help homes sell faster and for more without adding extra hassle to your workflow.
Many sellers ask the same question: how to finance home improvements before selling without draining savings or delaying their listing. Traditional loans, credit cards, and personal funds introduce unnecessary risk and pressure. D.E.P.P. was created to solve this exact problem.
As a deferred payment home renovation model, the program allows sellers to invest in the right improvements at the right time without stress. Renovations are selected strategically to improve buyer perception, reduce days on market, and increase final sale price.
A pay at closing renovation allows sellers to prepare their home for market without paying the full cost upfront. Instead of funding improvements out-of-pocket, sellers defer the majority of renovation expenses until the transaction closes.
This approach is a form of renovation financing for home sellers that prioritizes results over rigid lending requirements. The focus is not on credit scores or income verification, but on the property’s resale potential and market demand.
The Deferred Equity Payment Plan is built for homes with untapped potential and owners who need support to maximize it.
Through a no upfront cost home renovation structure, D.E.P.P. focuses on improvements that consistently deliver the highest return on investment. These typically include kitchens, bathrooms, flooring, paint, layout enhancements, and curb appeal upgrades, all of which play a major role in buyer decision-making.
Each renovation scope is customized based on current market conditions and resale strategy rather than guesswork.
A small down payment starts the project.
Sellers have up to 90 days to repay once the work is complete.
A 5% monthly fee applies to any unpaid balance until closing.
The D.E.P.P. program provides a clear and structured path for sellers who want to renovate before listing without using traditional loans.
First, United Signature evaluates the property’s equity position, market conditions, and resale potential to confirm eligibility for a deferred payment home renovation. This ensures the project is financially sound before work begins.
Next, a renovation scope is developed based on buyer demand and pricing strategy. Improvements are selected to enhance market appeal and maximize resale value, not to over-improve the home.
Once approved, the project begins with a small upfront payment. This eliminates the need for personal loans, credit cards, or home equity borrowing while keeping sellers financially flexible.
After renovations are complete, the home is fully prepared for listing. United Signature manages the entire process so agents and sellers can focus on pricing, marketing, and closing.
Finally, once the home sells, the remaining renovation balance is paid from closing proceeds. This pay at closing renovation structure allows sellers to upgrade their home and repay costs when the value is realized.
Book your free 15-minute intro call and discover how pre-listing renovations can maximize your commission. Agents who offer a deferred payment home renovation solution stand out immediately. Sellers move forward faster when they understand they can improve their home without upfront risk.
Not every property qualifies. To be considered, a home must:
Book your free 15-minute intro call and discover how pre-listing renovations can maximize your commission.
We are an independent design and build studio. We build, install and manage projects to completion. We offer a complete remodeling service, from Free on-site, no-obligation measuring and consultation to installation.
Everett, WA
1010 SE Everett Mall Way
#102 Everett,
WA 98208
Tacoma, WA
2302 A St.
Tacoma, WA 98402
