The listing that needs work the seller cannot fund.
Agents and brokers sit across from equity-rich, cash-poor owners every week: the pre-sale renovation, the stay-or-sell conversation, the client who needs their equity working before the sign goes in the yard.
- The trigger
- A client wants to sell, but the house needs work they cannot fund. Or they want to stay, and the only tool anyone has offered them is a listing agreement.
- What it costs you
- The listing stalls, the client drifts, and the months you spent on the relationship produce a house that never comes to market.
- Who this covers
- Agents · Brokers · Teams
This is not a Barastone problem. It is a financing problem you inherited.
Pre-sale
Renovations funded from the home itself
Work that raises the listing price is funded from the equity it improves, with settlement at the sale you were already planning.
Product mechanics — see How it works
Stay or sell
An answer for both sides of the conversation
The client who stays funds the remodel. The client who sells funds the prep. Either way the conversation continues with you.
Product mechanics — see How it works
At closing
Settlement lands on the event you are already working toward
The agreement settles at the sale, so it resolves inside the transaction you and the client are already planning.
Product mechanics — see How it works
Run your own numbers.
What your business is losing at the financing step today, using your figures.
Dead-deal ledger
Your numbers
- Customers you could not help
- 60
- Revenue not booked
- $1,920,000
- Already spent winning them
- $24,000
Every one of those was a customer who wanted to go ahead. They had the equity and could not reach it, so the project did not happen. The last figure is what you spent finding that out.
The advice that keeps the client either way
You introduce, Barastone funds, and the client comes back to you for the remodel referral or the listing. The relationship stays yours through both outcomes.
PhotographyAn agent and homeowner on the front porch of a lived-in house with a project list between them. Working conversation, not staged.
Your role ends at the introduction. Ours starts there.
Who carries what, line by line.
You
Your role begins and ends here.
- Introduce the homeowner
- Share Barastone-approved materials
- Use your tracked link or branded page
Barastone
Everything past the introduction.
- Application intake
- Property valuation
- Investment review and eligibility
- Consumer disclosures, state by state
- Closing and e-notary
- Funding
- Servicing for the full Investment Period
- Settlement at sale, refinance or term end
Nobody asks you to
The reason a trade business can do this at all.
- Fund any part of the agreement
- Carry balance-sheet exposure
- Take an application
- Collect, store or transmit homeowner financial data
- Make an eligibility or investment decision
- Negotiate terms with the homeowner
- Operate compliance or servicing infrastructure
Solar & home energy
Residential solar lost both of its financing pillars inside a single year. Installers are being told to find alternatives. Home equity is the alternative most of their customers already have.
Home improvement & renovation
Kitchen and bath remodelers, ADU builders, general contractors and home service franchises lose finished designs at the financing step. The equity is usually already there.
Mortgage & lending professionals
You already acquired the customer. A decline on a HELOC or a cash-out refinance sends them out of the branch and, often, out of the relationship.
Financial, wealth & insurance advisors
For most clients, home equity is the largest asset in the household and the only one the plan cannot reach. An introduction puts it to work without a sale.