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.