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Bright renovated home interior
Pay-at-Closing Program

Renovate now. Pay at closing.

We front the cost of the work. The full invoice is settled at closing, line-itemed in the closing disclosure. No bank, no monthly bill, no risk to your daily cash flow.

How the program works

Three steps. Six weeks. Zero out-of-pocket.

Step 01
Day 0–3
Walkthrough

We come to your home with your agent, scope the work, and quote a fixed price. Free and no obligation.

Step 02
Weeks 1–5
We renovate

Permits, materials, crews — all coordinated. You sign a scope contract; we work to your listing date.

Step 03
Day of closing
Pay at closing

Your invoice is line-itemed in the closing disclosure. Settled out of sale proceeds. Done.

Why this works

The math that makes it free for you.

Listing-ready homes sell faster and at higher prices. The lift more than covers the work.

+5–15% on the sale price

Listing-ready homes outperform comps in the same neighborhood. Photos and showings actually convert.

Days on market drop sharply

Buyers offer faster on move-in-ready homes. Less negotiation, fewer concessions, fewer fall-throughs.

Better appraisals

Updated kitchens, baths, and floors hit modern comp criteria — so the appraisal won't kill the deal.

No risk to your cash flow

You don't pay until the home sells. The renovation cost comes out of equity, not your bank account.

Pre-qualify in 60 seconds

Are you a fit?

Five quick questions. If you're a fit, we'll show you a funding range and reach out to schedule the walkthrough.

No personal financial details required
Your answers are confidential
Takes about a minute
Question 1 of 520%

Are you the owner of the property?

FAQ

Common questions about Pay-at-Closing.

If you don't see yours, ask us on a quick call.

We complete the renovation up front. The full invoice is paid out of your home sale's closing proceeds, recorded in the closing disclosure. No mortgage, no out-of-pocket payments, no monthly bills during the project.

Disclosure: Pay-at-Closing is available subject to a qualifying listing agreement with a Maryland-licensed agent and a comparative market analysis. Final terms, scope, and price are set in the signed scope contract. ZFR Constructions is licensed (MHIC) and insured. Full terms are provided in the contract.