You can apply when checking out. At the payment screen, choose Pay with Titus. Enter a phone number to sign up. Complete a short application. Once approved, complete your purchase.

No. Titus only performs a soft credit check during the application process, so there’s no impact on credit score when applying or using funds. Your credit will only be impacted if you fail to repay Titus when funds are due.

Active real estate license in the state. Active, signed listing agreement for the subject property. Credit score above limit for your state. Check Here!

1.5% of list price, up to $25,000. 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.

Fees range from 0% - 8.5%. Example: You qualify for a pay at close rate of 4%. You spend $1000. The repayment amount will be $1000 + 4% flat fee ($40) = $1040. See your rate!

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.

When you choose to pay at close with Titus, you are starting a 6-month loan that will be due at the earliest of the following: 

(1) The home sells. 

(2) The home has not been actively listed for sale within 60 days. 

(3) The listing is canceled or withdrawn. 

(4) Six months have passed since the date of application.

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 the phone # you originally used to sign up. Click the button that says “Add closing info”. Add details for the title, escrow, or attorney handling your closing. Once this is received, a payoff invoice will automatically be emailed to the closing team.

Yes, you can repay at any time through your Titus account. Log in to your account at www.gotitus.com. Click on Repay Now. Follow the prompts to repay by ACH or 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 elect to roll the cost over to the next commission for a fee.

At this time, all residential listings are covered with the Titus payment option. Please note that at this time lots, commercial properties, and land only listings are not currently supported in the Titus underwriting process.