Shoot now. Pay at close.
We've partnered with Titus to let you defer listing media costs until the home sells. No money upfront. No credit impact. Rates starting at 3.99%.
What is Titus?
Titus is a payments platform built for real estate. They let homeowners and agents defer listing expenses - like photography, video, staging, and more - until the home sells. Titus pays the vendor upfront, and is repaid from the sale proceeds at closing.
Built for real estate
Titus is designed around the listing-to-close timeline. It only works with active listings and signed listing agreements.
Not a credit card
There are no revolving balances, monthly payments, or compounding interest. One flat fee, paid once at closing.
Licensed and regulated
Titus Lending, LLC (NMLS #2706564) is a licensed lender. Your data and transactions are protected.
How it works
From booking to closing, here is exactly what happens.
Book your shoot like normal
Schedule any ASM listing media package. At checkout, select Titus Pay at Close as your payment method instead of paying upfront.
Complete a 2-minute application
The homeowner or agent fills out a short application. Titus checks eligibility instantly with no impact on credit score. Most applicants are approved in minutes.
We shoot. Titus pays us.
Once approved, Titus pays ASM directly so we can get to work. You receive your full media package with zero out-of-pocket cost.
Home sells. Titus is repaid at closing.
When the home closes, a payoff request is sent to the title or escrow company. Titus is repaid from the sale proceeds plus a small flat fee. That's it.
Who qualifies
Titus is available to homeowners and agents with an active listing. Here are the requirements.
Requirements
- ✓Must have a minimum credit score
- ✓Property must be owned by the applicant
- ✓Loan-to-value (LTV) must be below 90%
- ✓A signed listing agreement must be in place
- ✓Approved borrowers qualify for $25,000 - $50,000 based on equity
What it covers
- ✓Listing photography and drone
- ✓Listing video packages (Showcase, Signature, Premier)
- ✓Floor plans and 3D tours
- ✓Twilight photography and video
- ✓Agent branding content
- ✓Any ASM listing media service
What it costs
A flat 3.99% fee is added to your total. No hidden charges, no monthly payments, no interest during the standard 6-month term. Here is what that looks like.
When it works. When it doesn't.
We want you to know exactly when Titus applies and when it does not. Here are common situations agents ask about.
Agent wants to upgrade a listing to Premier but seller won't pay upfront
The seller applies through Titus. If approved, the full Premier package is covered and repaid when the home sells. The agent gets better media, the seller pays nothing until closing.
Seller is relocating and needs to list quickly without upfront costs
Titus is built for this. The seller applies, gets approved in minutes, and ASM can shoot immediately. No waiting on funds.
Agent wants to cover the cost themselves and get reimbursed at close
Agents can apply on their own behalf. Titus pays ASM directly, and the agent is responsible for repayment at closing.
The property is a rental or investment - not being sold
Titus requires a signed listing agreement. If the home is not being sold, pay-at-close does not apply. Standard payment methods are available.
Seller has less than 10% equity in the home
Titus requires the loan-to-value ratio to be below 90%. If there is not enough equity, the application will not be approved.
Home doesn't sell within 6 months
If the home hasn't sold in 6 months, the borrower can extend the loan. An annual interest rate of 16% applies on the extension period only. Titus will work with the borrower on next steps.
Common questions
Ready to try it?
See your rate in under 2 minutes. No credit impact. If you are approved, you can use Titus on your next ASM booking.