Pay at Close
with Titus
We offer agents the ability to defer the cost of any media package until your listing sells. Simply select “Pay at Close” at checkout using Titus.
Differentiate your listings with complete, high-impact media without paying upfront
Align your cash flow by paying when you get your commission
Win more listings by presenting premium marketing
Plan with no out-of-pocket costs
Repay when the listing sells or six months after the first disbursement
How It Works
Place your order
Select “Pay at close”
Create an account; agree to terms
Pay at close via escrow/debit card
No credit impact; rates start at 0%
Questions?
Getting Started
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You can apply when checking out.
• choose pay $0 now at payment screen
• enter a phone # to sign up
• complete a short application
• once approved, complete purchase -
No. Titus only performs a soft credit check during the application process, so there’s no impact on your credit score when applying or using funds. Your credit will only be impacted if you fail to repay Titus when funds are due.
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Qualifying agents must have an active real estate license in the state, an active & signed listing agreement for the subject property, and a credit score above the limit for your state (check here).
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1.5% of list price, up to $20,000. Once approved, you can use as little or as much as you’d like. You will only pay back the amount you use plus your pay at close fee.
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Fees range from 0-8.5%.
See your rate here.
Example: You qualify for a pay at close rate of 4%. You spend $1,000. The repayment amount will be $1,000, plus a 4% flat fee ($40), equal to $1,040.
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Yes! You can log into your Titus account at www.gotitus.com with the phone number you originally signed up with. Once in your Titus dashboard, you can pay for other listing prep such as staging, painting, repairs, and marketing.
Repayment
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When you choose to pay at close with Titus, you are starting a loan that will be due at the earliest of the following:
• The home sells
• The listing is canceled or withdrawn
• 6 months from 1st disbursement date -
Once the home goes into contract, you’ll add the contact information for the company handling the closing. To add closing details:
• Go to your Titus account at www.gotitus.com
• Log in with phone # you originally used to sign up
• Click the button that says “Add closing info”
• Add details for title, escrow, or closing attorney
Once this is received, a payoff invoice will automatically be mailed to the closing team. -
Yes, you can repay at any time through your Titus account.
• Log into your account at www.gotitus.com
• Click on Repay Now
• Follow prompts to repay by ACH/debit card
There are no prepayment penalties for repaying your loan prior to the close date. -
If the home hasn’t sold by the time funds are due, you can either repay, or you can go on a payment plan to pay over time.
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If you default on the loan or fail to repay, Titus may report the delinquency to credit bureaus, which could negatively affect your credit.
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