Transform your home with professional staging and pay nothing until closing. Our partnership with Titus makes premium staging accessible to every seller.
now available
Stage 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.
Ready to get started?
Check your estimated rate in minutes with no impact to your credit score.
Soft credit check. No obligation.
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.
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Apply Online.
Complete an application and see your custom rate. Get funds in minutes.
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Access Funds.
Use up to $50,000 to pay for staging and pre-sale prep. Pay vendors securely inside Titus.
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Repay at Escrow
At close-of-escrow, a payoff request is sent to the title company. Titus is paid from sale proceeds automatically.
Frequently Asked Questions
Everything you need to know about our Pay at Closing program
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What do I need to qualify for a Titus loan?
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.
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How does the fee work?
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 interes
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What is the most I can defer till close?
Approved homeowners/agents/builders 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.
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Will using Titus affect my credit?
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.
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What happens if the home doesn't sell?
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
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How do I 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.
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Can agents use Titus for staging costs?
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.
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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%.
Do I have to go with Titus
No. We still offer the conventional way of paying for home staging.
Get a free quote.
Transform your property with our professional staging services. Fill out the form below to receive a personalized quote tailored to your needs.
