Question 1

What is Pay at Close?

Accepted Answer

Pay at Close is a financing option, powered by Titus, that lets you cover listing prep costs — like photography and videography — without paying out of pocket upfront. You (or your seller) apply, get approved, and Titus pays us directly. You repay Titus when the home sells, using proceeds from the sale.

Question 2

How do I use it?

Accepted Answer

Create your Titus account and add the listing.Complete a short application and see your custom rate — approval is fast, and applying doesn't affect your credit.Once approved, pay us (and other Titus-network vendors) securely inside Titus. You can access up to 50% of your expected commission, net of broker fees.At close of escrow, Titus sends a payoff request to the title/escrow company or attorney and is repaid automatically out of sale proceeds.

Question 3

Do I qualify?

Accepted Answer

Most licensed agents qualify. General requirements:Credit score of 570+ (rates and exact minimums vary by state)Active, valid agent or broker licenseActive, signed listing agreement on the subject propertyThe amount financed must be less than half of your expected commission on the saleMaximum amount: up to 50% of your expected commission (net of broker fees), and generally 1.5% of the list price up to $20,000 (prime credit) or $5,000 (subprime credit)

Question 4

Will this affect my credit?

Accepted Answer

No. Titus does a soft credit pull to check eligibility and set your rate — this does not impact your credit score. (Credit is only affected if a loan isn't repaid as agreed.)

Question 5

How and when do I repay?

Accepted Answer

Repayment is due at the earliest of: the home sells, 6 months pass from the first disbursement, or the listing is canceled/withdrawn. You can repay directly through escrow at closing, by adding a debit card that's charged automatically, or by logging into your Titus dashboard and repaying manually at any time.

Question 6

What if the listing doesn't sell in time?

Accepted Answer

No problem — you have options. You can repay directly from your Titus dashboard, or set up an installment plan (interest rates apply) right from your account.

Question 7

What's the cost?

Accepted Answer

Titus charges a flat, one-time fee based on your credit tier and state — rates start at 0% and there's no compounding interest. For example, a 4% rate on $1,000 financed means you repay $1,040 total, whether that happens in 30 days or 5 months. You'll see your exact rate before you accept.

Question 8

Why would I use this instead of just paying with a card?

Accepted Answer

Get your listing marketed and on the market faster — without waiting on seller reimbursement or fronting the cost yourselfNo upfront cash flow hit ahead of commissionSimple, flat-fee pricing with no surprisesHelps sellers say "yes" to the full marketing package instead of trimming it to save cash

Pay at Close:
Book Now, Pay When it Sells.

Powered by Titus

Book Your Listing. Shoot Now. Pay When It Sells.

Premium photography, video, drone, and marketing shouldn't wait on a check. With Pay at Close, you and your sellers can book McCarthy Media's full media package today — with $0 due upfront — and pay it off automatically when the home closes.

Why We Offer Pay at Close

No upfront cost.

Approval in minutes.

Flat, transparent pricing.

Repayment handled for you.

How it Works

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Frequently asked questions about Pay at Close

What is Pay at Close?

How do I use it?

Do I qualify?

Will this affect my credit?

How and when do I repay?

What if the listing doesn't sell in time?

What's the cost?

Why would I use this instead of just paying with a card?

Pay at Close is offered through our financing partner, Titus. Rates and terms vary by state and credit profile.

Ready to Market Your Next Listing?

Pay at Close: Book Now, Pay When it Sells.

Powered by Titus

Book Your Listing. Shoot Now. Pay When It Sells.

Premium photography, video, drone, and marketing shouldn't wait on a check. With Pay at Close, you and your sellers can book McCarthy Media's full media package today — with $0 due upfront — and pay it off automatically when the home closes.

Why We Offer Pay at Close

No upfront cost.

Approval in minutes.

Flat, transparent pricing.

Repayment handled for you.

How it Works

01

02

03

04

Frequently asked questions about Pay at Close

What is Pay at Close?

How do I use it?

Do I qualify?

Will this affect my credit?

How and when do I repay?

What if the listing doesn't sell in time?

What's the cost?

Why would I use this instead of just paying with a card?

Pay at Close is offered through our financing partner, Titus. Rates and terms vary by state and credit profile.

Ready to Market Your Next Listing?

Pay at Close:
Book Now, Pay When it Sells.