Pay at Closing

To qualify, homeowners must meet the following criteria:

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

Titus generates revenue through a small percentage-based fee charged to partner businesses, plus the risk-based flat fee for borrowers starting at 0%. This model allows us to offer competitive rates while maintaining sustainable operations.

Yes, investment properties are eligible with additional documentation requirements, including proof of beneficial ownership and current mortgage documentation. Our team will guide you through the enhanced approval process.

Titus performs only a soft credit inquiry during the application process, which has no impact on your credit score. However, if a loan goes into default, delinquency may be reported to credit bureaus as with any financial obligation.

The Pay at Close option includes a 6-month loan term with flexible repayment options:

• Initial 6-month term with no interest charges
• Option to extend for additional 6 months at 18% annual rate
• Full loan repayment required if home doesn't sell within term

The repayment process is seamlessly integrated into your home sale closing. When your home goes under contract, both you and your agent receive notification to provide closing attorney information. Titus coordinates directly with the closing attorney to ensure the loan payoff appears on your closing statement and is automatically deducted from sale proceeds.

Currently, all Titus loans are made directly to homeowners as of January 2025. We are developing an agent financing option expected to launch in February 2025. Contact us for updates on agent program availability.

Absolutely. Approved homeowners have access to up to $25,000 in funding that can be used for ongoing home preparation expenses, including staging renewals, as long as the property remains under an active listing agreement with a licensed real estate agent.