Stage now.

Pay at close.

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Prep your home for sale for $0 out of pocket

We are thrilled to partner with Titus, allowing us to stage at no out of pocket cost to you. Titus gets repaid automatically when your home sells.

Flat fee rates starting at 0%

Unlock funds in less than 60 seconds

Pay nothing until your home sells

How it works

1

Unlock funds

Sign up for Titus when you receive our invoice. All you'll need to do is complete a short application (typically takes 3 minutes). Titus performs a soft credit pull with no impact to your credit score.
2

Pay for staging (and more!)

Once approved, use your Titus funds to pay the staging invoice from us.
Titus funds can also be used to pay for any other home prep projects prior to listing your home, from painting to repairs and everything in between.
3

Repay when your home sells

At closing, an invoice will be sent to the closing attorney automatically so you can repay from sale proceeds. Titus works with the title company for you so the sale of your home can be stress-free!

Stage now.

Pay at close.

See if you qualify for pay at close with no impact on your credit.
Rates for qualified homeowners start at 0%.
SEE YOUR RATE

Homeowner FAQs

What are the qualification criteria for pay at close?

To qualify, homeowners must meet the following criteria:

  • Credit score of 640+
  • Verified property ownership
  • Better than 80% loan to value ratio (including Titus line)
  • Signed listing agreement

What happens if the home doesn’t sell?

  • When homeowners choose to ‘Pay at Close’ with Titus, they initiate a 6-month loan with an option to extend for another 6 months at an 18% annual interest rate
  • If the home doesn’t sell, or the listing is canceled, the loan must be repaid and homeowners can opt-in to a payment plan

How does loan payback work?

  • When the home is marked as contingent or pending, both the agent and client receive a notification to provide the closing attorney’s information
  • Titus then sends an invoice directly to the closing attorney, and the charge will appear on the closing statement

What fees are there to home sellers?

Titus charges a risk-based flat fee to homeowners, based on their credit score, which is paid at closing:

    • 800+: 0% fee
    • 740–799: 4% fee
    • 670–739: 6.5% fee
    • 640-670: 8% fee

Can Titus be used for all listing prep?

Yes. Homeowners on Titus are approved to spend up to $50,000 and can use that money to pay for all home prep as long as their home is under an active listing agreement.

What is the impact on my credit?

Titus performs a soft credit pull, so there is no impact on credit scores initially.

However, if a homeowner defaults or fails to repay the loan, Titus may report the delinquency to credit bureaus.

Can Titus be used for investment properties?

Yes, but additional documentation is required for approval including proof of beneficial ownership and mortgage documentation.

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