Compass Concierge is a program that fronts the cost of home improvements before you sell, with repayment due later. Compass describes it as a way to “get fronted for the cost of home improvement services with zero due until closing.” Compass’s fine print treats it as a loan, so the terms matter more than the headline.
- It fronts the cost of pre-sale work, like staging, painting and repairs, and you repay later.
- It’s a loan, and Compass isn’t the lender. The fine print names Notable Finance, LLC, and says loans are subject to credit approval.
- “Zero due until closing” isn’t the same as free. Compass says fees or interest may apply depending on your state of residence.
- Repayment can come before a sale. Ending the listing agreement, or 12 months passing, can trigger it too.
- Confirm Maui eligibility first. Compass’s page doesn’t say where the program is offered.
What does Compass Concierge pay for?
Compass Concierge fronts the cost of a wide range of work, which you repay later. Compass’s Concierge page lists staging, deep-cleaning, decluttering, cosmetic renovations, landscaping, interior and exterior painting, roofing repair, HVAC, electrical work, pest control, and kitchen and bathroom improvements. It also lists moving and storage, and seller-side inspections.
The page says the list extends to more than 100 other home improvement services.
How does Compass Concierge work?
Compass’s page lays out four steps:
- Decide which services to do and set an estimated budget for the work.
- When you’re ready, engage contractors and vendors, with your Compass agent alongside you.
- When the work is complete, the home goes on the market.
- Repay the services and any applicable fees when a repayment trigger occurs, as set out below.
The fine print adds conditions. Compass says “loan eligibility is not guaranteed and all loans are subject to credit approval and underwriting by Notable,” and that “Compass is not a lender and is not providing loans as part of the Compass Concierge program.” It also says the program is “subject to program terms that may vary by market.”
When repayment is due
Repayment is due when the first of several events happens, not only when the home sells.
Compass’s fine print says funds “are to be repaid once one of the following happens (whichever occurs first): your home sells, you terminate your listing agreement with Compass, Compass terminates your listing agreement, 12 months pass from your Concierge start date or Notable otherwise suspends your Compass Concierge loan for any reasons stated in the Compass Concierge Loan Agreement.”
| Repayment trigger (Compass’s fine print) | Can it happen without a sale? |
|---|---|
| Your home sells | No |
| You terminate your listing agreement with Compass | Yes |
| Compass terminates your listing agreement | Yes |
| 12 months pass from your Concierge start date | Yes |
| Notable otherwise suspends your Compass Concierge loan | Yes |
Four of those five triggers can apply without a sale. If you end your listing agreement (say, because you decide not to sell), if Compass ends it, or if 12 months pass, repayment is due whether or not the home has sold. The page’s “How it works” summary lists only three triggers, so rely on the loan agreement for the full terms.
What “zero due until closing” means
Compass Concierge isn’t necessarily free. “Zero due until closing” describes when you pay, not whether there’s a cost. Compass’s page says: “Depending on your state of residence, fees or interest may apply.”
Compass ties that line to your state of residence, which for a Maui second-home owner may not be Hawaii. Ask which state’s terms apply to you, then read the fees and interest section of the loan agreement before you commit to any work.
How the loan side works
Compass Concierge is structured as a loan. The fine print on Compass’s page refers to “your Compass Concierge loan” and a “Compass Concierge Loan Agreement,” and says “Concierge Capital loans are provided by Notable Finance, LLC, NMLS# 1824748 and are made or arranged pursuant to a California Finance Lenders Law license.” NMLS, the Nationwide Multistate Licensing System, is the system of record for state licensing of non-bank financial services companies, and its free Consumer Access service lets you confirm whether the lender named in your loan agreement is authorized to do business in your state.
A pre-sale loan can be a sensible tool when the improvements are likely to help the home sell, and when you’re confident you’ll sell within the repayment window. It’s a weaker fit if your timeline is uncertain, because repayment doesn’t wait for a sale. If you’re unsure how it fits your finances, speak with your own advisor.
Checking availability for a Maui home
Compass is licensed to do business as a real estate broker in Hawaii, according to the licensing list on its Concierge page. That page doesn’t say which states or markets the Concierge program itself is offered in, and it says program terms may vary by market. So availability for a Maui home is something to confirm rather than assume.
Settle it early, with your listing agent, for your specific home. Ask whether Concierge is available for the property, whether any fees or interest apply given your state of residence, and which improvements would qualify.
Should you use Compass Concierge before selling a luxury home?
It depends on the home and the timeline. Concierge makes the most sense when the improvements are clearly worth doing and you’re confident about selling within the repayment window.
For a luxury property, the harder question is which improvements move a buyer, and which are better left to the buyer’s own taste. Staging, cleaning and cosmetic touch-ups can improve how a home photographs and shows. A kitchen renovation is a larger bet, and one a high-end buyer may prefer to make themselves.
Pricing comes into it too: the list price should reflect the home as buyers will see it, and the cost of the work is repaid whether or not it changes what a buyer pays. For how pricing works at this level, see this guide to what your Maui home is worth. For the full picture of preparing and selling, read selling a luxury home on Maui.
If you’re weighing whether to improve before you list, ask about Compass Concierge for your home. If you’re also considering a private launch before going public, see this guide to Compass Private Exclusives on Maui.
Frequently asked questions
Is Compass Concierge free?
Not necessarily. Compass describes the program as zero due until closing, which is about when you pay, not whether you pay. Its own page says fees or interest may apply depending on your state of residence. Ask your listing agent which terms apply to you before you sign anything.
When do I have to repay Compass Concierge?
At whichever of these comes first: your home sells, you end your Compass listing agreement, Compass ends it, 12 months pass from your Concierge start date, or the lender suspends the loan. Four of those can apply even if your home hasn’t sold, so read your loan agreement closely.
Is Compass Concierge a loan?
Yes. Compass’s fine print refers to a Compass Concierge Loan Agreement and says loans are subject to credit approval and underwriting by Notable Finance, LLC. Compass itself isn’t the lender. Treat it as a financial agreement, read the terms in full, and speak with your own advisor if you’re unsure how it fits your situation.
Is Compass Concierge available on Maui?
Compass is a licensed real estate broker in Hawaii, but its Concierge page doesn’t list where the program itself is offered, and it says program terms may vary by market. Confirm availability for your specific home with your listing agent, and ask whether any fees or interest apply given your state of residence.
Sources
- Compass, Compass Concierge program page and legal disclosures, retrieved 2026-09-21, https://www.compass.com/concierge/
- Conference of State Bank Supervisors, Nationwide Multistate Licensing System (NMLS), retrieved 2026-09-21, https://www.csbs.org/nationwide-multistate-licensing-system-nmls
Chelsea Dimin is a Compass real estate agent with 17 years of experience, specializing in luxury homes across Wailea, Mākena and South Maui.
This article describes Compass’s published program terms as retrieved on September 21, 2026. It is general information, not financial or legal advice. Program terms may vary by market, and fees or interest may apply depending on your state of residence. Read your loan agreement in full and confirm current terms with your listing agent.
