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Getting Started

  • How do I apply for pay at close?

    You can apply when checking out.
    • At the payment screen, choose Pay at close
    • Enter a phone # to sign up
    • Complete a short application
    • Once approved, complete your purchase

  • Will applying affect my credit score?

    No, Titus only performs a soft credit pull for pre-qualification purposes during the application process, so there is no impact on your credit score when applying or using funds. Your credit will only be impacted if you fail to repay Titus when funds are due.

  • What are the criteria for agents to get approved?

    • Active real estate license in the state
    • Active, signed listing agreement for the subject property
    • Credit score above a minimum for your state - check at www.gotitus.com/estimate

  • How much will I qualify for?

    1.5% of list price, up to $25,000. Once approved, you can use as little as or as much as you would like. You will only pay back the amount you use plus your pay at close fee.

  • What are the fees to agents?

    Fees range from 0.85% - see your rate at https://www.gotitus.com/estimate?removeProtocol=true .

    Example: You qualify for a pay at close rate of 4%. You spend $1,000. The repayment amount will be $1,000 + 4% fee ($40) = $1,040.

  • What types of properties are allowed?

    Pay at close can be used for residential properties with a signed listing agreement in place. This includes single family homes, condos, townhomes, and 1-4 unit properties. Commercial properties, rentals, and land are not allowed.

Repayment

  • When are funds due?

    When you choose to pay at close with Titus, you are starting a 6-month loan that will be due at the earliest of the following:

    • The home sells
    • The home has not been actively listed for sale within 60 days
    • The listing is canceled or withdrawn
    • Six months have passed since the date of application

  • How do I repay through closing?

    Once the home goes into contract, you add the contact information for the company handling the closing. To add closing details:
    • Go to your Titus account at https://www.gotitus.com?removeProtocol=true
    • Log in with the phone # you originally used to sign up
    • Click the button that says "Add closing info"
    • Add details for the title, escrow, or attorney handling your closing
    Once this is received, a payoff invoice will automatically be emailed to the closing team.

  • Can I repay outside of closing?

    Yes, you can repay at any time through your Titus account. There are no prepayment penalties for repaying your loan prior to the close date.

  • What if the home doesn't sell?

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

  • What happens if I fail to repay the loan?

    If you default on the loan or fail to repay, Titus may report the delinquent to credit bureaus, which could negatively affect your credit.

At V1 Solutions LLC, you can now pay at close. Select Titus when checking out. Repay automatically once the listing sells or after 6 months. Now, you can invest in marketing your listings without coming out of pocket until you get paid.

Checkout pay at close screen

Fast and easy

Apply, see your rate, and pay in minutes

Rates start at 0%

No hidden fees. No origination fees. Just a one-time flat fee

No impact on credit

Applying and using funds does not impact credit

See your rate
to pay at close
QR code to see your rate or visit: www.gotitus.com/estimate/v1-solutions-llc