Home Staging & Consultation Service
Elevate your home with expert staging and defer payment until closing. Thanks to our collaboration with Titus, top-notch staging is now within reach for every seller.
Titus + Sweet Oakes Designs
Selling your home?
Prep now. Pay Later.
Access up to $25k to pay for pre-sale prep
Flat fees due at closing starting at 0%*
No hidden fees or compounding interest
How it Works
Step 1
Apply Online
Use the link below to apply. Get a fast approval within minutes!
Step 2
Access Funds
Use approved funds to pay for staging and home improvements
Step 3
Repay at escrow
Loan is automatically paid from your home sale proceeds
Step 4
Close Successfully
Enjoy higher sale price with professionally staged home
Frequently Asked Questions
Everything you need to know about our Pay at Closing program
1. What are the qualification criteria for Titus?
To qualify, homeowners must meet the following criteria:
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Credit score of 670+
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Verified property ownership
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At least $50,000 in available home equity
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Signed listing agreement
✓ 94% approval rate - Most homeowners qualify
2. What fees are there for home sellers?
Titus charges a risk-based flat fee to homeowners based on credit score, paid at closing:
800+ Credit Score--------- 0% fee
740–799 Credit Score---- 4% fee
670–739 Credit Score---- 6.5% fee*
3. How does Titus make money?
Titus generates revenue through a small percentage-based fee charged to partner businesses, plus the risk-based flat fee for borrowers starting at 0%. This model allows us to offer competitive rates while maintaining sustainable operations.
4. What is the impact on my credit?
Titus performs only a soft credit inquiry during the application process, which has no impact on your credit score. However, if a loan goes into default, delinquency may be reported to credit bureaus as with any financial obligation.
5. What happens if the home doesn't sell?
The Pay at Close option includes a 6-month loan term with flexible repayment options:
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Initial 6-month term with no interest charges
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Option to extend for additional 6 months at 18% annual rate
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Full loan repayment required if home doesn't sell within term
6. How does loan payback work?
The repayment process is seamlessly integrated into your home sale closing. When your home goes under contract, both you and your agent receive notification to provide closing attorney information. Titus coordinates directly with the closing attorney to ensure the loan payoff appears on your closing statement and is automatically deducted from sale proceeds.
7.Can agents use Titus for staging costs?
Absolutely! Titus is designed to support real estate agents by covering these expenses. As an agent, you simply add your listing to Titus, complete the application, and check your custom rate. Once approved, you can access up to 50% of your commission (after broker fees) and pay vendors within the platform. At close-of-escrow, we'll send a payoff request to the title/escrow company or attorney, ensuring Titus is paid from the sale proceeds.
8. Can Titus be used for renewal payments?
Yes! Approved homeowners have access to up to $25,000 in funding that can be used for ongoing home preparation expenses, including staging renewals, as long as the property remains under an active listing agreement with a licensed real estate agent.