WE'RE EXCITED TO NOW OFFER
Pay at close with Titus.
$0 due until the home sells.
Complete a one-time setup to pay at close for any listing
Click "pay at close with Titus" to start the payment process and follow the instructions below
or click "see your rate" to get a quick estimate.
Here’s how it works:
• You or your seller select Titus as a payment method
• Complete a 2 minute application (no credit impact)
• Titus pays us immediately
• Titus is repaid when the home sells
• Rates as low as 0% for qualified agents/owners
• No upfront costs
• No impact on your credit to apply
Let us know if you have any questions — we’re here to help!
HOW TO Pay at Close
Click "Pay at Close with Titus" above and follow these quick steps to use Titus as your payment option:
Once your payment is confirmed, we’ll be automatically notified on our end. From there, we’ll update your order to reflect the completed payment so everything is taken care of. No extra steps are needed from you.
Step 1. Enter your phone number and the payment amount, then click Continue.
Step 2. Check your phone for a verification code. Enter the code and click Verify code.
Step 3. Fill in your basic information (name, date of birth, last 4 of SSN).
Choose whether you’re a Homeowner or Real Estate Agent.
Step 4. Complete the additional listing details like address, list price, agreement date and add your license info, brokerage, etc. Enter your personal address. Click Submit when ready.
Step 5. Review the payment summary. Check the box to agree to the terms, then click Confirm loan and pay.
Step 6. Done! 🎉 You’ll see a confirmation screen once payment is complete.
Once your payment is confirmed, we’ll be automatically notified on our end. From there, we’ll update your order to reflect the completed payment so everything is taken care of. No extra steps are needed from you.
TITUS FAQ
What are the options for agents to use Titus?
Agents can use Titus in one of three ways
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Defer their costs for listing prep to close: Agents can advance up to half their commission with Titus
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Have their sellers use Titus: Home sellers can defer up to $25k in listing prep until close
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Create a listing credit for home sellers to use: agents can create a listing credit which sellers can use to pay for home services now and we will invoice you at close
What happens is a listing doesn't sell?
If an agent has elected to defer the cost of photos and media until close and the home doesn’t sell within six months, the cost can either be repaid out of pocket over another 6 months or the agent can elect to roll the cost over to the next commission for a fee.
What are the criteria for agents to get approved?
To qualify, agents must meet the following criteria:
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Credit score of 670+*
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Active license in the state
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Active, signed listing with the home in question
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Payment must be less than half of the expected commission​​
​*Updated April 2025. Scores vary by state.
What is the impact on an agent's credit?
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.
What are the fees to agents?
Titus charges a risk-based flat fee to agents, based on their credit score, which is paid at closing:
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800+ Credit Score: 0% fee
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740–799: 4% fee
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670–739: 6-6.5% fee (varies by state)
​*Updated April 2025. Scores vary by state.
How does loan payback work?
When the home is marked as contingent or pending, the agent will receive a notification to provide the closing attorney’s information. Titus then sends the loan payoff invoices directly to the closing attorney or escrow officer.
How much money can agents qualify for?
Agents can qualify for up to 1.5% of the listing price.
Do I have to notify my broker?
Some states and/or brokerages require that your broker signs off on any commission-related payments at escrow. If that is the case, we can either loop in your broker or you can pay us out of your own bank account within 48 hours of receiving commission payment.
Can Titus be used for other listing expenses?
Yes. Agents can use Titus to defer the costs of other listing expenses like home staging and other marketing until close as well. Once you set up Titus, the option to pay other businesses is available inside of the experience. Or you can access the funds through a withdrawal.
How does Titus make money?
Titus makes money by charging a small percentage-based fee to businesses as well as a risk-based flat fee for borrowers starting at 0%.