Abstract: A real estate products and services marketing method is provided. In one embodiment, a real estate improvement provider coordinates with a realtor to provide the improvement and to defer payment from the seller for the improvement until close of the seller's real estate. In another embodiment, the improvement provider coordinates with a lender to provide the improvement and to defer payment from the borrower until close of the loan. In a further embodiment, a realtor identifies needed improvements in seller's real estate and locates an appropriate improvement provider(s), wherein payment for the improvement(s) is deferred until close of the seller's real estate. In still another embodiment, a lender identifies needed improvements in borrower's real estate and locates an appropriate improvement provider(s), wherein payment for the improvement(s) is deferred until close of the loan. It is expected that the increase in sales price/loan amount exceeds the cost of the improvement.