Pay at Closing lets you book a shoot now and pay for it when the house sells. It runs through Titus, a company we partner with. Titus pays us right away, and collects from the closing proceeds later.
You can use it for photos, drone, video, floor plans, 3D tours and the marketing kit, so you can order the package the listing needs without paying for it upfront.
How it works
1. Book your media services
Schedule your photography appointment the way you normally would, and choose the services your listing needs.
2. Select "Pay at Closing"
At checkout, choose Pay at Closing instead of paying immediately. Titus approves most applications instantly.
3. We get paid right away
Leverage Real Estate Photography receives payment immediately, so we complete your order without delay.
4. Pay when the home sells
Once the property closes, Titus collects payment from the closing proceeds. You don't pay for your media package upfront.
What it costs
Titus sets any fee, and it depends on the state. You can see the fees for Michigan at gotitus.com/estimate before you book. Titus says over 20% of agents and over 40% of homeowners pay no fee at all, and rates start at 0% APR.
Which listings qualify
- Residential listings with a signed listing agreement: single-family homes, condos, townhomes and 1–4 unit properties.
- Not commercial property, rentals, land, mobile homes, or properties over $1 million owned by an LLC.
- Agents can defer up to 1.5% of the listing price, to a maximum of $20,000, depending on credit.
Frequently asked questions
Does this affect my credit score?
No. Applying for and using Pay at Closing does not affect your credit. Only failing to repay after the due date could affect it.
How long does approval take?
Titus approves over 92% of applications instantly, usually within seconds.
What if the home doesn't sell?
If the property doesn't sell, payment is due 6 months after the original order date. If it still hasn't sold by then, Titus offers repayment plans.
Can the homeowner pay for it instead?
Yes. Homeowners can use Pay at Closing too, for up to $20,000 depending on their home equity and credit, so the cost comes out of their sale rather than your commission.
Why would I use Pay at Closing?
To keep cash in your business while a listing is active. Instead of choosing a smaller package to keep the upfront cost down, you can book the package you'd pick if cost weren't a factor and pay for it out of the sale.
Getting started
Pay at Closing is a loan from Titus Lending, LLC, subject to credit approval.
Next time you book a shoot, choose Pay at Closing at checkout. If you'd like someone to walk you through it first, call us at (248) 270-2042.
