FOR SELLERS AND BUYERS
The Client Advance Program
Your vendors, your pace. No interest or fees.
Up to $15,000 for preparation and moving costs, paid to the vendors you choose, with no interest, fees or markups.
Available to clients who have signed a listing or buyer agreement with me. The amount is set in your written agreement.
Start with a conversation.
BOOK A DISCOVERY CALL
Selling? Book a Home Listing Consultation · Buying? Book a Buyer Consultation
THE CLIENT ADVANCE PROGRAM
How It Works
Paid now, repaid at cost, with you in charge of every choice.
1
You choose the vendors.
Your own, or insured names I can suggest, licensed where the trade requires it. I take no referral fee either way, and neither does my company, PropertyFanatix LLC.
2
You approve each quote.
Nothing is booked until you have seen and approved the price.
3
I pay the invoices.
Up to $15,000 in total, paid directly to the vendors. You get a copy of every paid receipt.
4
You repay the exact amount.
No interest, fees or markups. Costs paid before closing are repaid from your closing funds through your attorney.
Funded by Shalinthia Miles and PropertyFanatix LLC, not by eXp Realty. You repay the exact amount of work delivered whether or not a closing happens.
If your agreement ends without a closing: You repay only for work already delivered, in one payment within 30 days. Open orders are cancelled.
Wondering whether it fits your plans? Start with a short video call.
BOOK A DISCOVERY CALL
CLOSING CALCULATOR · EXAMPLE 1
Repaid at Closing
A two-family house in Flatbush, Brooklyn, sold for $1,150,000.
At the closing table
Amount
Sale price
$1,150,000.00
Brokerage commission (6%)
−$69,000.00
NYC and NYS transfer taxes
−$20,987.50
Seller’s attorney fee
−$2,500.00
Other closing costs
−$1,200.00
Existing mortgage loan payoff
−$420,000.00
Client Advance repayment
−$12,000.00
Estimated net to you
$624,312.50
Your advance
Amount
$3,800.00
Painting and patching
$4,200.00
Deep cleaning and junk removal
$1,600.00
Licensed movers
$2,400.00
Total advanced
$12,000.00
$0 paid by you before closing. The $12,000 is repaid from your proceeds at closing.
Want your own numbers? Ask for a closing estimate.
BOOK A HOME LISTING CONSULTATION
FOR SELLERS
Ready to Show, Without Paying Upfront
For the homes I list, we decide together what is worth doing before your home goes on the market. The advance only pays for that work; it never decides it, and you can always pay a vendor yourself instead.
What it can cover
• Staging and design
• Decluttering and deep cleaning
• Junk removal and haul-away
• Pre-listing repairs, smoke and CO alarms
• Painting, curb appeal and cosmetic work
• Inspections
• Survey or encroachment fixes, certificate of occupancy or minor violation work
• Repairs your contract or co-op board requires
• Licensed movers
• Storage
When your buyer covers move-out costs: Your attorney can ask for the buyer to credit you at closing for move-out or decluttering costs, up to an agreed amount, if the buyer’s lender allows it. The credit covers what you repay; anything above it comes from your proceeds. See the example below.
Selling soon? Ask about the advance in a listing consultation.
BOOK A HOME LISTING CONSULTATION
CLOSING CALCULATOR · EXAMPLE 2
Your Buyer Covers Move-Out
A two-bedroom co-op in Sunnyside, Queens, sold for $485,000. The contract has the buyer credit up to $5,000 for moving, packing, decluttering and cleaning.
At the closing table
Amount
Sale price
$485,000.00
Brokerage commission (6%)
−$29,100.00
NYC and NYS transfer taxes
−$6,860.00
Co-op flip tax (example: 2%)
−$9,700.00
Managing agent and transfer fees
−$1,000.00
Seller’s attorney fee
−$2,250.00
Other closing costs
−$600.00
Existing mortgage loan payoff
−$160,000.00
Client Advance repayment
−$7,500.00
Buyer’s move-out credit
+$5,000.00
Estimated net to you
$272,990.00
Your advance
Amount
Staging
$1,750.00
Decluttering and junk removal ✓
$2,200.00
Deep cleaning ✓
$650.00
Movers and packing ✓
$2,900.00
Total advanced
$7,500.00
✓ Covered by the credit: $5,750, capped at $5,000.
$2,500 what the work cost you: $1,750 of staging plus $750 of move-out work above the buyer’s limit. Every dollar is below.
Selling soon? Ask how a move-out credit could fit your contract.
BOOK A HOME LISTING CONSULTATION
EXAMPLE 2, STEP BY STEP
Where Every Dollar Went
The same Sunnyside sale, from the first invoice to the closing table.
1
Before closing, the program pays your vendors $7,500.
Staging $1,750; decluttering and junk removal $2,200; deep cleaning $650; movers and packing $2,900. You pay nothing upfront.
2
At closing, the buyer credits you $5,000.
The contract covers moving, packing, decluttering and cleaning, up to $5,000. That work came to $5,750, so the credit stops at $5,000. Staging was never part of it.
3
At closing, you repay the program $7,500.
From your proceeds, on its own line, at cost. The program gets back exactly what it paid: no interest, no fees, no profit.
4
What the work cost you: $2,500.
$7,500 repaid, less the buyer’s $5,000 credit: the $1,750 of staging, plus $750 of move-out work. That $750 isn’t an extra charge. It’s the part of the $5,750 move-out bill that went past the buyer’s $5,000 limit, so it stays yours. The credit also adds about $70 of transfer tax.
Who paid for the $7,500 of work
Amount
The buyer, through the credit
$5,000.00
You: staging, not in the credit
$1,750.00
You: move-out work above the $5,000 limit
$750.00
The program: paid upfront, repaid in full
$0.00
Total work
$7,500.00
The program’s books
Amount
Paid to your vendors
$7,500
Repaid by you at closing
$7,500
Kept by the program
$0
Want your own numbers? Ask for a closing estimate.
BOOK A HOME LISTING CONSULTATION
FOR BUYERS
Your Move, Without the Cash Crunch
For the buyers I represent.
Before closing
• Inspections once your offer is accepted: structural, pest, chimney, mold or radon
• Junk removal and shredding at the home you are leaving
• Storage between homes
After closing
• Licensed movers and packing
• Deep cleaning before your furniture arrives
• Lock changes and rekeying on move-in day
• Smoke and carbon monoxide alarms
• Painting before you move in
Never covered
• Your down payment or contract deposit
• Lender fees, points or the appraisal
• Your attorney’s fees
Work after closing: Quoted and approved before closing, finished within 60 days after it, and repaid within 30 days of each paid invoice.
If you have a mortgage: Your lender and any co-op or condo board see the written Client Advance Addendum to your agreement first. Some lenders won’t allow it; we check with yours.
Buying soon? Plan the move along with the purchase.
BOOK A BUYER CONSULTATION
CONTACT
Start With the Plan, Not the Bill
If preparation didn’t have to wait on your savings, what would you do first?
Bring that question to a consultation. The advance is one part of how I plan a sale or a move, never the reason to choose one. No obligation.
Clients on the same side get the same terms.
BOOK A DISCOVERY CALL
Shalinthia Miles
Licensed Real Estate Salesperson
eXp Realty · NYS License #10401252869
CBR® Certified Buyer Representative
Mobile 646-804-3070 · Office 929-367-SOLD (7653)