Pay at Closing
Transform your home with professional staging and pay nothing until closing. Our partnership with Titus makes premium staging accessible to every seller.
Selling your home?
Prep now. Pay Later.
Complete high-ROI home improvements without coming out of pocket. Use Titus funds to prep your home for sale and repay automatically when your home sells or in 6 months.
Access up to $50,000 for pre-sale prep
Homeowners qualify for $25,000 or $50,000 depending on home equity
Flat fee rates starting at 0%
Risk-based flat fee paid only at closing - no compounding interest
No hidden fees or surprises
Soft credit pull only - no impact on your credit score
How the Fee Works
When your home sells, Titus is repaid for any funds used plus a flat fee. For example, if $100 is spent on staging with a 4% fee, Titus is repaid $104 at closing.
How It Works
Apply Online
Complete an application and see your custom rate. Get funds in minutes.
Access Funds
Use up to $50,000 to pay for staging and pre-sale prep. Pay vendors securely inside Titus.
Repay at Escrow
At close-of-escrow, a payoff request is sent to the title company. Titus is paid from sale proceeds automatically.
Ready to get started?
Check your estimated rate in minutes with no impact to your credit score.
Soft credit check only. No obligation.
Frequently Asked Questions
Everything you need to know about our Pay at Closing program
To qualify, homeowners must meet the following criteria:
- Meet a minimum credit score (varies by state)
- Own the property being listed
- Loan-to-value below 90%
- Signed listing agreement with a real estate agent
When your home sells, Titus is repaid for any funds used plus a risk-based flat fee starting at 0%. For example, if $100 is spent on staging with a 4% fee, Titus is repaid $104 at closing. There are no hidden fees or compounding interest.
Approved homeowners will qualify for $25,000 or $50,000 depending on their home equity. Agents can qualify for up to $25,000 based on expected commission amount.
Titus performs a soft credit pull, which does not impact your credit score. However, if the loan is not repaid on time, Titus may report the delinquency to credit bureaus, which could affect your credit score.
After 6 months you can either repay or extend for another 6 months:
- Initial 6-month term with a flat fee only (no compounding interest)
- Option to extend for an additional 6 months at a 16% annual interest rate
- If your home doesn't sell within that time, you'll need to repay the loan
Once your home is marked as contingent or pending, simply add the closing information on Titus. Titus coordinates directly with the closing agent and the loan payoff will be included in your closing statement, automatically deducted from your sale proceeds.
Yes, Titus supports properties owned by LLCs, trusts, and estate/probate sales. Additional documentation is required that shows proof of ownership or legal authority to complete the sale, as well as documentation showing any outstanding mortgage balance. Note that all Titus loans are personal loans to individuals.
Yes, agents can qualify for up to $25,000 based on expected commission amount. Agents must meet a minimum credit score (varies by state), have an active real estate license, and a signed listing agreement. After 6 months, agents can either repay or roll the expense to another commission for an additional fee.
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%.
What Our Clients Are Saying
Their staging services are awesome! We received multiple offers on our house and got full asking price within days of it being on the market. I highly recommend them!
Eric Jacobsen
Satisfied Homeowner
Stay Connected
Get the latest staging tips and market insights delivered to your inbox