Comparison

FLYP vs. Curbio, Compass Concierge, Revive & Freemodel

Name: FLYP
Address: Seattle, WA, US
Price range: $0 upfront

Short answer: Every company in this category fronts the cost of a pre-sale renovation. What separates them is what they take for it, a percentage of your sale price, interest through a lending partner, a listing agreement with their brokerage, or a margin built into a fixed bid. FLYP carries the deferral itself instead of handing you to a lender, and the work is done by Green State Restoration, its licensed general contractor of record. You pay for the renovation out of closing, with no program fee and no cut of your sale price, and FLYP is not a brokerage, so you list with your own agent.

The four ways these companies actually make money

Brands come and go in this category. The four mechanisms below do not. Once you know which one a company is running, you know what question to ask it.

1. A percentage of your sale price

The fee is calculated on what the house sells for, not on what the work cost. It is the most expensive structure in the category, and it gets more expensive the better the renovation performs, you are handing over a slice of the upside you just created.

Revive’s Sell360: a flat program fee, typically 3–4% of the final sale price. Revive also lists a 6% program fee without saying what it is calculated on.

2. Interest, through a lending partner

The renovation company is not actually carrying your balance. A finance company is, and you are borrowing. That means an application, a credit check, and interest on what you draw.

Compass Concierge: a loan from Notable, with interest from 8.99% APR plus a $499 fee on the lender’s own program page, and a 680 minimum credit score. Curbio and Freemodel now route pay-at-closing through lending partners too.

3. A margin built into a fixed price

There is no separate fee. The company earns a margin inside the fixed price of the work, the way most general contractors do, and that is also how FLYP is paid. You will not see the margin as its own line, so judge it the way you would any contractor: compare the fixed price with other bids for the same scope, and ask what waiting for the sale costs if it runs long.

Freemodel states its payment is built into the fixed bid. FLYP works the same way, plus interest of 1.5% a month if the home has not closed six months after the work is finished. Local programs mostly publish no pricing at all; JCC Concierge says only that there are no interest charges or fees.

4. Your listing

The renovation is the hook; the commission is the business. Access depends on signing with their brokerage, or on an agent starting the process for you, so the listing is settled before the work starts by the people who earn the commission.

Compass Concierge requires a listing agreement with Compass. JCC Concierge’s published process starts with the listing agent, not the homeowner. FLYP is not in this group: you choose the agent and FLYP takes nothing from the commission, though your agreement does require the home to be listed within 30 days of the work being finished.

And how FLYP makes money

FLYP makes its money the way a general contractor does, which puts it in the third group above: a normal contractor margin built into the fixed price on the estimate you sign. Waiting until closing to get paid is the service, not a separate product with a program fee stacked on top of it. If the sale runs long, interest of 1.5% a month starts six months after the work is finished and the balance is due at ten months, and all of it is written into the agreement before you sign anything.

Side by side

Drawn from each company’s own published terms and from public records, verified October 2, 2026. Sources are linked at the bottom of this page.

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How FLYP compares with Curbio, Compass Concierge, Revive, Freemodel and local agent-led renovation concierge programs.
What you are comparing	FLYPPaid at closing, licensed GC of record	CurbioNational pay-at-closing renovator	Compass ConciergeBrokerage program, third-party loan	RevivePresale platform, percentage fee	FreemodelContractor network, paid at escrow	Local agent-led programsRegional concierge and brokerage teams
Out of pocket to start	$0. No deposit, no credit pull.	$0 if you finance through a lender; otherwise you pay as you go.	$0 up front.	$0 up front.	$0 up front, through a lending partner.	JCC: $0 up front. Lamb & Co.: not published.
What it costs on top of the renovation	No program fee and no cut of your sale. No interest unless the home hasn’t closed six months after the work is finished; then 1.5% a month.	Deferral runs through outside lenders, on their terms. DC’s AG alleged a 20% undisclosed deferral charge before the 2024 settlement.	It is a loan: interest from 8.99% APR plus a $499 fee, per the lender’s own program page.	A 6% program fee (Revive does not say on what); Sell360 is typically 3–4% of your final sale price.	Their margin is inside the fixed bid, plus whatever its lending partner charges to defer.	JCC states no interest and no fees, but publishes no pricing. Lamb & Co. publishes nothing. Ask before you sign anything.
Is the fee a cut of your sale price or your equity?	No. Never a percentage of your sale or your equity.	No. A fixed-price contract, financed by a lender if you defer.	No, but it is a loan, and interest applies.	Sell360’s is: typically 3–4% of the final sale price. The 6% fee’s base is not stated.	No, fixed bid.	JCC says no fees. Lamb & Co. does not say. Get it in writing.
Do you have to use their agent or brokerage?	No. FLYP is not a brokerage. Bring your agent, or use one we recommend.	Agent-led: the agent fills out the estimate request for the client.	Yes. Requires a listing agreement with Compass.	Built and sold as an agent’s listing tool.	Markets only through agents; homeowners who come direct are referred to one.	JCC: the listing agent fills out the estimate request, not you. Lamb & Co.: built around its own design-plan clients.
Who actually swings the hammer	Green State Restoration, FLYP's licensed general contractor of record in Washington.	Its trade-partner network, run by Curbio project managers.	Vendors you and your agent hire yourselves.	Its vetted contractor network.	A “network of trusted contractor partners,” run by a project director.	JCC: a local project manager and a licensed, bonded, insured contractor, per JCC. Lamb & Co.: its trade partners.
If the home doesn’t sell	Nothing out of pocket while it sells. Interest starts six months after the work is finished if it hasn’t closed, and the balance is due at ten months.	Set by the lender you finance with. Curbio’s own deferral ran to the sale or up to a year, per the DC complaint.	Due at 12 months or when the listing ends; the lender may offer an extension or a payment plan.	Costs settle at sale; program terms apply.	Due at escrow, inside a one-year window.	JCC: paid at closing, timing not published. Lamb & Co.: not published. Get it in writing.
Warranty on the work	One-year workmanship warranty, written into your agreement.	One year on completed work, per Curbio.	Whatever your vendor gives you. Compass is not the contractor.	One year on workmanship, per Revive.	One year, and explicitly non-transferable to your buyer.	Not stated by either. JCC publishes $5,000 schedule and budget guarantees.
What you can see while the job runs	A live client portal: progress photos, every document, two-way messages, and video walkthroughs with your PM.	The Curbio app: schedules, documents, photos and chat with your PM.	Not part of the program. It is a loan; you and your agent manage the vendors.	A dedicated owner representative, per Revive.	Digital project log from the project director.	JCC: weekly updates with photos. Lamb & Co.: site visits and walkthroughs.
Can you renovate without selling?	Yes: a paid remodel, or stay-and-renovate, managed by FLYP and paid with your own HELOC.	It also works for buyers; its pay-at-closing financing is for sellers.	No, tied to a Compass listing.	It also renovates for buyers, with financing; pay at close is for sellers.	Yes, through its separate renovation services; pay at close is for sellers.	JCC: no, paid at closing. Lamb & Co.: its renovation arm serves design-plan clients, not only sellers.

Company by company

These are real companies doing real work, and for some homeowners one of them will be the right answer. Here is what each one publishes, and where we differ.

National pay-at-closing renovator

FLYP vs. Curbio

One of the best-known names in pre-sale renovation, and it lists Seattle among its markets. Curbio is the licensed general contractor on its jobs; sellers either pay as they go or finance the work through a lender Curbio refers them to. Projects are agent-led: the agent fills out the estimate request on the client's behalf.

What they publish

Curbio appears to have largely stepped back from carrying the deferral itself. On April 7, 2025 it announced financing partnerships with three real estate transaction lenders, Notable, HouseAmp and Finturf. CEO Rick Rudman said that for clients who are interested in financing and “ask us for a recommendation, we refer them to our lending partners.” Curbio says it receives no fees from those lenders.
Its own FAQ now says sellers have “the option to pay as they go, just as they would with any general contractor,” and that those who want financing can be connected with financing resources that let them pay when they close. If you want a true pay-at-closing deal from Curbio today, confirm in writing who is carrying it, Curbio or a lender, and on what terms.
In November 2023 the District of Columbia sued Curbio. The Attorney General described “a scheme of deception, intimidation, and fraud” and “over-priced, low-quality renovations,” and alleged Curbio charged “an additional 20% in undisclosed interest” for deferred payment and “encumbers the home with deeds of trust or liens.”
Curbio settled in September 2024 for $7.5 million, including $2.58 million in restitution to 167 DC homeowners. Announcing the settlement, the Attorney General said Curbio had “systematically deceived DC homeowners, trapped them in unconscionable contracts, and performed overpriced, substandard work.” Curbio agreed to end its use of deeds of trust on home improvement contracts, stop filing mechanics’ liens for work not completed to consumers’ satisfaction, disclose any revenue-sharing with real estate agents or brokerages, and change contracts only by written change orders.

Where FLYP differs: FLYP carries the deferral itself rather than handing you to a lender. Curbio said in April 2025 that clients who want financing are referred to its lending partners.

Sources: DC Attorney General, Curbio $7.5M settlement (Sept 12, 2024) · DC Attorney General, the original complaint (Nov 20, 2023) · Curbio, How It Works · Curbio, FAQ · Curbio partners with lenders for seller financing (April 7, 2025)

Brokerage program, third-party loan

FLYP vs. Compass Concierge

A brokerage benefit, not a renovation company. Compass fronts the cost of eligible improvements with a loan from its lending partner, Notable, and you repay it out of the sale. The work itself is done by contractors and vendors you and your Compass agent line up.

What they publish

You need a listing agreement with Compass. The loan comes due if you or Compass end it.
Compass is not the lender. Concierge loans are made by Notable Finance, LLC (NMLS #1824748), an affiliated lender, or Quorum Federal Credit Union, and are subject to credit approval and the lender's underwriting.
Compass’s own page says only that “depending on your state of residence, fees or interest may apply.” The lender’s program page, viewed from a Washington address, lists interest from 0.75% a month (8.99% APR) and a $499 one-time fee, with nothing due until closing.
To qualify, the lender lists a 680 minimum credit score (checked with a soft pull), at least 20% equity and a list price under $4 million. The maximum is $75,000, set mainly by your equity.
Repayment is due at the first of: the sale closes, the listing agreement ends, the loan is accelerated, or 12 months pass. The lender says you can ask for an extension or a payment plan if the home has not sold by then.

Where FLYP differs: FLYP is not a brokerage and takes nothing from your agent’s commission. You list with your own agent, or one we recommend, and there is no lender, no loan application and no credit check.

Sources: Compass, Concierge program page · Notable, Market Ready Concierge (the program’s lender)

Presale platform, percentage fee

FLYP vs. Revive

A renovation platform that coordinates the work through a vetted contractor network, defers the cost to closing and charges a program fee on top. It markets heavily to agents as a listing tool.

What they publish

Revive’s agent page publishes “a flat program fee of 6%,” with nothing paid until closing. It does not say whether the 6% is figured on the cost of the work or on your sale price, so ask before you sign.
Its Sell360 product charges “a flat program fee based on your home’s final sale price, typically between 3% and 4%,” with improvement costs and selling expenses deducted at closing.
A fee figured on the sale price is not tied to the cost of the work: the better the renovation performs, the more that fee costs you.
Revive says it backs the work with a one-year workmanship warranty, and it also offers renovations to buyers, with financing.

Where FLYP differs: FLYP never charges a percentage of your sale price or your equity. You pay for the renovation. Every dollar it adds beyond that is yours.

Sources: Revive, Sell360 terms · Revive for agents (6% program fee) · Revive, Renovate to Sell

Contractor network, paid at escrow

FLYP vs. Freemodel

A project-director model. Freemodel assigns a director who scopes the job, hires and manages local contractors, and hands you a fixed bid. It says it is currently active in nine Bay Area counties.

What they publish

No upfront cost. Freemodel allows one year for the home to sell and close, and the renovation costs are then due and payable by the homeowner at escrow.
Deferring to closing now runs through Freemodel’s lending partners, which, it says, may check credit, set income requirements and cap the amount.
Freemodel states its payment is built into the fixed bid: the margin sits inside the number rather than appearing as its own line.
Work is performed by its “network of trusted contractor partners,” managed by Freemodel project directors.
The warranty is one year from completion and is explicitly non-transferable, so it does not follow the home to your buyer.
It does not handle additions or ground-up construction, and it markets only through agents and brokerages: homeowners who come to it directly are referred to an agent.

Where FLYP differs: FLYP carries the deferral itself, with no lending partner and no credit check, and it works in Washington. Freemodel says it is active in the Bay Area.

Sources: Freemodel, FAQ · Freemodel, for homeowners · Freemodel for agents (one-year window)

Regional concierge and brokerage teams

FLYP vs. Local agent-led programs

Puget Sound has its own versions, JCC Concierge in Bellevue, and design-and-renovate arms attached to brokerage teams such as Lamb & Co. in Snohomish and King County. The offer is real. The catch is almost always the front door.

What they publish

JCC Concierge’s published process begins with the real estate agent representing the listing filling out the estimate request, and its site is written for agents.
Lamb & Co.’s renovation arm is built for clients who have already completed a Lamb & Co. design plan, alongside their brokerage, design and retail businesses.
JCC Concierge publishes no pricing, but says it is paid when the home sells “with no interest charges or fees,” with “$0 Up front costs: 100% paid at closing!” Lamb & Co. publishes no pricing at all.
JCC publishes guarantees with dollar amounts: a $5,000 credit for surprise change orders, a $5,000 credit if it misses the agreed go-live date, and an owner profit guarantee of “$20,000 in additional profit or we reduce our fee.”
JCC Concierge is sale-contingent: everything is paid at closing. Lamb & Co.’s renovation page serves its design-plan clients, with sellers as one use case, and does not describe pay-at-closing or sale-contingent terms.

Where FLYP differs: You can start with FLYP yourself, today, without an agent’s permission. And if you would rather renovate and stay put, we do that too.

Sources: JCC Concierge, home page (pricing and guarantees) · JCC Concierge, How It Works · Lamb & Co., renovation & remodeling

The part a comparison table cannot show you

Fee structures are easy to compare because they are numbers. The thing that actually decides whether you would do this again is four months of being treated well, or not, by people in your house. That part is harder to put in a column, so here it is in plain words.

The sales experience: an estimate, not a pitch

You get a walkthrough, a line-item scope, and a numbered estimate you can read line by line before anything is signed. No credit pull, no deposit, no obligation. If the numbers do not work for your house, we will tell you that, and we will tell you which of the other three paths, a straight remodel, an as-is cash sale, or just listing it, makes you more money.

We would rather lose a job than talk someone into a renovation their comps will not support.

The client experience: you can watch the whole job

Every FLYP homeowner gets a private client portal. Progress photos as they are taken, every document and signed agreement in one place, two-way messaging with the people on your job, and live video walkthroughs with your project manager when you want to see something yourself. You can upload your own photos and notes back into the project.

Not a weekly email summary. The same project record our own team is working from.

Contractor quality: one accountable team

FLYP is run by FLYP CO., and Green State Restoration, LLC, a licensed Washington general contractor, is the general contractor of record on your project. That matters most when something goes wrong, a rot surprise behind a shower pan, a supplier who misses a date. There is one team accountable for the schedule, the scope and the finish, from the estimate to the final walkthrough.

Veteran owned and operated, working across Seattle, Tacoma, Bellevue, Olympia and the wider Puget Sound.

Customer service: a named human, and a clock on every step

You get a project manager by name and a real phone number, not a support queue. Behind that, every FLYP job runs on our own workflow system: each stage has a target time, tasks age visibly when they sit, and the team sees it before you have to ask. Renovations do not usually fail loudly, they fail by drifting, one quiet week at a time.

The most common complaint in this whole category is a timeline that slipped. We built for that.

Frequently asked questions

Is FLYP cheaper than Curbio, Revive or Freemodel?

The renovation itself is priced like any quality general contractor's work, so compare bids on scope, not on brand. Where FLYP is structurally cheaper is what gets layered on top: no program fee, no percentage of your sale price, and no origination charge. On a $700,000 sale, a fee of 3–4% of the sale price, like Revive’s Sell360, is $21,000 to $28,000 on top of the work. FLYP’s only charge for waiting is interest of 1.5% a month if the home has not closed six months after the work is finished. Ask every company on this page, including us, to put its full cost of deferral in writing before you sign.

Do I have to use a specific real estate agent to work with FLYP?

No. FLYP is not a brokerage and does not act as your listing agent. Bring the agent you already trust. If you do not have one, we will introduce you to agents we have worked with who know how to price a renovated home, but that is a recommendation, not a requirement. What your agreement does require is that the home is listed within 30 days of the work being finished, with the agent you agreed on, and that you do not withdraw the listing or switch agents without FLYP’s written consent.

What happens if my house does not sell after the renovation?

You pay nothing out of pocket while the home is listed and selling; repayment comes out of closing, not your savings. Every program in this category has an outer limit on how long it will wait, and ours is in plain numbers: interest of 1.5% a month begins if the home has not closed six months after the work is finished, and the balance is due at ten months. Compass Concierge’s lender wants repayment at 12 months or when your listing agreement ends, whichever comes first, though it says you can ask for an extension or a payment plan, and Freemodel is due at escrow inside a one-year window. Ask each company for its exact timing terms in writing, including us.

Will FLYP put a lien or a deed of trust on my home?

Yes. Before work starts you sign a deed of trust in front of an independent notary, and it is recorded with the county. It secures what you will owe for the renovation, and FLYP releases it within ten business days of being paid. It is a fair question to ask any company in this category: the District of Columbia’s complaint alleged that Curbio “encumbers the home with deeds of trust or liens,” and Curbio agreed to end its use of deeds of trust as part of its 2024 settlement.

Can I use FLYP if I am not selling?

Yes. FLYP does regular paid remodels, and stay-and-renovate projects where FLYP manages the work and your own HELOC pays for it. That is less unusual than it used to be: Curbio, Revive and Freemodel also take on work for owners who are not selling, though their pay-at-closing options are for sellers. Compass Concierge and JCC Concierge are tied to a sale.

Why should I trust a comparison written by FLYP?

You should not take our word for any of it. Every number on this page comes from the company's own published terms or from a public record, and each one is linked in the sources below. Read them yourself, then ask each company to put its fee structure in writing before you sign.

Sources, and how to check us

Everything above about another company comes from that company’s own published terms, its lending partner’s program page, or a public government record, verified October 2, 2026. Programs change their pricing without announcing it, so confirm current terms directly with any company before you sign, including this one. If you find something here that is out of date, tell us and we will correct it.

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