• Once agents set up a listing, they can unlock half of the expected commission to pay for listing expenses
• They can also add other listings to unlock funds for those homes as well

• If an agent has elected to defer the cost of staging until close and the home doesn’t sell within six months, the cost can either be repaid out of pocket or the agent can elect to roll the cost over to the next commission for a fee

To qualify, agents must meet the following criteria:

• • Credit score of 670+
  • Active license in the state
  • Active, signed listing with the home in question
  • Payment must be less than half of expected commission

Titus performs a soft credit pull, so there is no impact on credit scores initially. However, if an agent defaults or fails to repay the loan, Titus may report the delinquency to credit bureaus

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

• 800+ Credit Score: 0% fee
• 740–799: 4% fee
• 670–739: 6.5% fee
  

• When the home is marked as contingent or pending, the agent will receive a notification to provide the title company’s information
• Titus then sends the loan payoff invoices directly to the closing attorney or escrow officer

Yes. Agents can use Titus to defer the costs of other listing expenses like marketing and photography until close as well. Once you set up Titus, the option to pay other businesses is available inside of the experience.

• Some states and/or brokerages require that your broker signs off on any commission-related payments at escrow
• If that is the case, Titus can either loop in your broker or you can pay out of your own bank account within 48 hours of receiving commission payment

Agents can qualify for up to half of their expected commission