Home Enhancement Loan Program

Sell your home at
its full potential.Not as-is.

Pre-listing funding covers repairs, updates, and staging — with nothing due until your home closes. List better. Net more.

See How It Works
$0
Out of pocket
before listing
$50K
Maximum funding
available
10%
Simple interest
repaid at closing

Most sellers know their home could show better. The problem isn’t motivation — it’s money.

— Bryan Coward  ·  The Bryan Coward Team
⚠
Buyers negotiate hard against deferred maintenanceEvery visible flaw becomes a negotiation chip — and buyers use them aggressively, often far beyond actual repair cost.
📈
Listing before you’re ready costs you at the tableHomes that sit even a few extra weeks often sell for less. First impressions in real estate are permanent.
💸
The cash to fix it isn’t always availableRepairs, staging, and photography can run $10K–$30K. Most sellers can’t or don’t want to spend that before they’ve sold.
What HELP Covers

Everything that moves the needle on your sale price.

The HELP Program funds the pre-listing work buyers care about most — with no money due until you close.

🏠

Repairs & Renovations

Kitchens, bathrooms, flooring, paint, fixtures — the updates that shift buyer perception and drive appraised value.

🛋

Professional Staging

Staged homes sell faster and for more. HELP makes professional staging accessible to every seller, not just luxury listings.

📷

Photography & Video

Premium listing media — photography, video walkthroughs, and 3D tours — is non-negotiable in today’s market.

🌿

Curb Appeal & Landscaping

Fresh landscaping, pressure washing, and exterior work drive immediate buyer interest. First impressions start at the curb.

🧹

Deep Cleaning & Prep

Move-out cleaning, junk removal, and pre-inspection prep — the details that signal a well-maintained, move-in-ready home.

📋

Other Pre-Listing Costs

Pre-listing inspections, permit resolution, HOA compliance — anything that clears the path to a clean, fast close.

How It Works

Simple. Straightforward. No surprises.

Five steps from consultation to closing — with nothing out of pocket until your home sells.

01

Free Consultation

We walk through your home and identify improvements most likely to increase your sale price. No pressure, no obligation.

02

Customized Plan & Approval

We build a tailored improvement plan and funding proposal. Once approved, work begins immediately.

03

Work Gets Done

Vetted contractors complete the improvements before your home hits the market. You’re involved as much or as little as you’d like.

04

List at Your Best

Your home goes to market looking its absolute best — staged, photographed, and priced to maximize your return.

05

Repaid at Closing

The HELP loan plus 10% simple interest is repaid from your proceeds at settlement. Nothing out of pocket before closing.

Run the Numbers

See what HELP could net you.

Adjust the sliders to estimate your potential return on a HELP investment.

HELP Program Calculator

Illustrative estimates only. Actual results vary by property, market, and improvements made.

$10,000
HELP Funds Used
$1,000
Interest at Closing
+$19,000
Estimated Net Gain

* Net gain is estimated value increase minus loan amount and 10% simple interest. Not a guarantee of sale price or return. Consult Bryan Coward for a property-specific analysis.

Is HELP Right for You?

You might be a great fit if…

Your Situation

  • ✓ Your home needs updates but cash is tied up elsewhere
  • ✓ You’re competing against newer or renovated homes
  • ✓ You need to resolve inspection items before listing
  • ✓ You’re relocating and need a fast, clean sale
  • ✓ You’ve been told your home needs work to hit your target price

Your Goals

  • ✓ You want to maximize your net — not just get it sold
  • ✓ You want professional staging without the upfront cost
  • ✓ You’re planning to sell in the next 3–12 months
  • ✓ You want a move-in-ready presentation from day one
  • ✓ You want to list once — at the right price, in the right condition
Bryan Coward
About Bryan

Your neighbor. Your advocate. Your agent.

Bryan Coward combines world-class professionalism with hometown heart. A longtime Westchase local and founder of The Bryan Coward Team, he helps people not just find a house — but feel at home.

With roots in film production, Bryan brings a storyteller’s eye to every transaction, creating experiences that connect people to place and purpose.

Through his “Sell a Home, Mentor a Child” initiative, each closing gives back to the Tampa Bay community he loves.

Westchase Local Keller Williams Realty Big Brothers Big Sisters Westchase Rotary Westchase Business Network BNI Inner Circle Licensed Florida Realtor®

Sell a Home, Mentor a Child.  Our team donates $100 from every closing to Big Brothers Big Sisters of Tampa Bay.

Ready to see what your home could sell for?

Schedule a free, no-obligation consultation. We’ll walk the home together, build a plan, and show you exactly what the HELP Program can do for your net proceeds.

Phone
(877) 7BRYAN-SELLS
Email
[email protected]
Website
www.bryancoward.com