Tatiana "Tania" De La Oliva · Coldwell Banker Global Luxury
Concierge gives you access to funds for home improvements upfront — staging, painting, flooring, and more — with zero out-of-pocket costs until your home sells.
From application to funding, Concierge is designed to get your home market-ready quickly — without touching your savings.
A quick application — takes just a few minutes on your phone or computer. Soft credit check only, no impact to your score.
Upon approval, receive a virtual debit card immediately. Physical card arrives in 3–5 business days. Cash-out options also available.
Use any vendor you like. Shop in-store, online, or pay contractors directly. You are in complete control of how funds are used.
Funds are repaid at closing from your proceeds. Nothing comes out of your pocket before then — only on what you actually spent.
Example: At 12% annual interest, a home that sells in 3 months = only 3% interest at closing — on what you actually spent. If you draw no funds, no fee is owed.
"The thing that was the most daunting for me about selling the home was how would I get it to market. And that's where the Concierge service was absolutely remarkable."
Julia — Seller
Does this affect my credit score?
No. The application uses a soft credit inquiry only — no impact to your score when applying, drawing funds, or repaying. No need to unfreeze your credit either.
Can I choose my own vendors?
Yes — total flexibility. Pay contractors, shop in stores, or buy online. The debit card has a $25,000 daily limit. Cash-outs and direct vendor checks are also available.
What if my home doesn't sell right away?
The loan is due at closing, 12 months from origination, or if the listing agreement ends — whichever comes first. Interest continues to accrue until repaid in full.
Is it available in Colorado?
Yes — available in all 50 states. LLCs, partnerships, trusts, and estate sales are all eligible. Approval is based on home equity and your financial profile.
Can I use this on a 1031 Exchange?
No — Concierge is for sellers listing their property with a Coldwell Banker agent. Not available for 1031 exchanges or developer/investor projects.
Will I pay tax on the loan proceeds?
This is a loan, not income. Every tax situation is different — I always recommend consulting your own tax advisor for guidance specific to you.
Let's talk about what Concierge could do for your listing. Reach out however works best for you — I'm usually back within a few hours.
Schedule a Free ConsultationRules & Exclusions apply. No guarantees or warranty of results are provided. Subject to additional terms and conditions. Interest may apply. The Concierge loan program is provided by Notable, a company engaged through a services agreement with affiliated companies of Compass International Holdings ("CIH"). Concierge loans are made by either Notable Finance, LLC (NMLS# 1824748) or Quorum Federal Credit Union. Loan eligibility is not guaranteed and all loans are subject to credit approval and underwriting by Notable. Neither CIH, nor any of its respective franchisees or affiliated companies, is providing loans, or any property enhancement product or service in connection with the Concierge program. Depending on your state of residence, fees or interest may apply. Statistics source: National Association of Realtors, 2020.