Question 1

What is Pay at Close?

Accepted Answer

Pay at Close is financing through our lending partner Titus that lets you defer the cost of any media package and repay it from your commission at closing, or within 6 months, whichever comes first. $0 at booking if approved, and rates start at 0%. You simply select Pay at Close at checkout. It is designed around how agents actually get paid: at closing, not at listing launch.

Question 2

Is there a fee to use Pay at Close?

Accepted Answer

Fees are a one-time flat fee ranging from 0–8.5%, depending on your approved rate. Example: at a 4% rate, a $1,000 order repays $1,040. You can check your exact rate anytime at gotitus.com/estimate/hd-media-house, and there are no prepayment penalties for paying early.

Question 3

Will applying affect my credit score?

Accepted Answer

No. Titus performs only a soft credit check during the application, so there is no impact on your credit score when applying or using funds. Your credit is only affected if you fail to repay when funds are due.

Question 4

Who qualifies?

Accepted Answer

Approval requires an active real estate license in your state, an active signed listing agreement for the subject property, and a credit score above the limit for your state. Once approved, you qualify for up to 1.5% of list price (up to $25,000), and you only repay what you actually use, plus your flat fee.

Question 5

When is payment due?

Accepted Answer

Pay at Close is a 6-month loan due at the earliest of: the home sells, the listing is canceled or withdrawn, the home has not been actively listed for 60 days, or six months pass from the application date. At closing, repayment is handled through escrow, or you can repay anytime by ACH or debit card.

Question 6

What happens if the listing doesn't sell?

Accepted Answer

If the home hasn't sold by the time funds are due, you can either repay directly, or elect to roll the cost over to your next commission for a fee.

Question 7

Is this only for agents who can't afford photography?

Accepted Answer

No, it's a cash-flow tool. Most agents who use Pay at Close simply prefer to align their marketing spend with their commission timeline rather than carrying listing costs out of pocket across multiple active listings.

Question 8

Does Pay at Close change what I get?

Accepted Answer

Not at all. You receive the identical service, quality, and turnaround as a standard booking. Only the payment timing changes.

Book Now. Repay From Your Commission.

Your Media Costs Should Close When Your Listing Does

How Pay at Close Works

Book Your Shoot

We Shoot & Deliver

Market & Close the Listing

Pay at Closing

Simple, Transparent Terms

Eligibility

Financing Terms

Pay at Close Questions

Launch Your Next Listing With Zero Upfront Cost