Every great sale starts with a great presentation.Discover a stress-free way to prepare your home for the market without upfront costs.


Pay at close program

Stage Now. Pay When You Close.

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No upfront payments

No credit impact

Fast and easy application

Our Pay-at-Close Program, powered by Titus, takes the stress out of home staging so you can focus on selling and not worry about upfront costs.

Stage Today for $0 Out of Pocket

Flat fees due at closing, starting at $0

Backed by Titus, a trusted real estate financing partner

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Frequently Asked Questions

To qualify for the Titus Pay-at-Close home staging program, homeowners must meet the following requirements:
Minimum credit score of 670 or higher

Verified property ownership

At least $50,000 in available home equity

Signed listing agreement with a real estate agent

To date, 94% of homeowners who applied for Titus have been approved, making it one of the easiest ways to access home staging financing without upfront costs.

Titus charges a flat, risk-based fee based on a credit score, paid only after closing:

• 800+ credit score: 0% fee
 • 740–799 credit score: 4% fee
 • 670–739 credit score: 6.5% fee*

There are no hidden charges, and all payments are made conveniently through the closing process.

*Credit tiers vary by state.

No—Titus performs a soft credit check, which means there is no impact on your credit score during the application process.

Only in rare cases of loan default or non-payment may a report be sent to credit bureaus.

  • If your home does not sell within the initial 6-month loan term, you may extend the loan for an additional 6 months at an 18% annual interest rate.
  • If the home remains unsold after that period, the loan must be repaid within the agreed loan term.
  • Titus offers flexible solutions to help homeowners stay on track while preparing for a future sale.

Yes, Titus can be used to fund home staging or renovation for investment properties. However, applicants must provide additional documents, such as proof of ownership and mortgage details, for approval.
Once your property is marked as contingent or pending, both you and your real estate agent will receive a notification requesting the closing attorney’s information.

Titus then sends the loan payoff directly to the closing attorney, which appears on your closing statement for a seamless process.

Titus earns revenue by charging a small percentage-based fee to partner businesses and a flat, risk-based fee to borrowers, starting at 0% for top-tier credit.

This transparent model ensures fair, accessible financing for homeowners preparing to sell.

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Let’s get your home market-ready and sold faster.

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