Pay at Close for Real Estate Media: How Titus Helps Agents Book Now and Pay Later

Pay at Close for Real Estate Media: How Titus Helps Agents Book Now and Pay Later

As real estate agents, you’re constantly juggling multiple listings, managing cash flow, and trying to get properties marketed quickly. We’ve all been there—you need professional photos and video to get a listing live, but the timing doesn’t always align with when you have funds available.

That’s exactly why we partnered with Titus to offer Pay at Close at Higleys Media Group. This payment solution is designed specifically for real estate professionals, allowing you to get the media you need now and pay when your transaction closes.

Understanding Titus: A Payment Solution Built for Real Estate

Titus isn’t your typical payment processor. It’s a specialized platform created exclusively for real estate transactions. Whether you need photography, videography, drone shots, floor plans, or any other marketing services tied to a property sale, Titus enables you to defer payment until closing.

Here’s the simple breakdown: when you choose Pay at Close, Titus pays us immediately for your order. You then repay Titus from your commission or closing proceeds once the deal finalizes. This means no delays on our end—we get paid right away—and no upfront costs for you.

How It Works with Higleys Media Group

The process couldn’t be simpler:

Order your media as you normally would—photos, video, drone, floor plans, whatever your listing needs.
When your media is delivered, you’ll see two payment options:
- Pay Now — traditional payment at delivery
- Pay at Close — defer payment until closing
If you select Pay at Close, you’ll be redirected to Titus to complete a brief application (about 2 minutes).
Titus performs a soft credit check (this won’t affect your credit score) and provides instant approval for most agents.
Once approved, Titus releases payment to us immediately, and you’re all set. No waiting, no delays, no complicated paperwork.

Qualification Limits and Approval

Titus offers flexible qualification amounts based on your situation:

Up to 1.5% of the property’s list price
Maximum of $25,000 per transaction

This covers everything from basic photo packages to comprehensive media bundles with all the bells and whistles. Approval amounts are determined by your credit profile, the listing value, and transaction details. Most agents receive a decision in under two minutes.

Want to see what you might qualify for? Check your rate with Titus here.

Fees and Pricing Structure

Titus uses a straightforward, risk-based pricing model with a one-time flat fee based on your creditworthiness:

0% fee for excellent credit
Up to approximately 6% for lower credit tiers

This fee is simply added to your total order amount and collected at closing. There are no ongoing payments, no interest charges, and no hidden fees—just one flat cost for the convenience of deferring payment.

Example: If your media order totals $1,000 and you’re approved at a 2% fee rate, you’ll owe $1,020 at closing. That’s it.

Flexible Repayment Timeline

Life happens, and sometimes listings take longer to close than expected. Titus understands this:

Six-month repayment window — You have six months from the order date to close and repay.
Extension option — If your listing still hasn’t closed after six months, you can extend for another six months at the stated rate.
Transaction falls through? No problem. You can repay Titus directly on your own schedule. The balance isn’t tied to a specific sale—it’s connected to your account.

Credit Impact

One of the biggest concerns agents have is whether this will affect their credit or future financing options.

Good news: The application process uses a soft credit pull, which means:

✅ Your credit score won’t be impacted when you apply
✅ No hard inquiry appears on your credit report
✅ Normal, on-time repayment through closing won’t show negatively

As with any financing account, defaulting or failing to repay could affect your credit, but standard usage and repayment won’t cause any issues.

Why Pay at Close Makes Sense for Real Estate Agents

We’ve seen firsthand how cash flow challenges can slow down marketing efforts. You might be waiting on:

Seller reimbursements
Commission advances
Funds from other closing deals
Budget approvals

Pay at Close eliminates these bottlenecks. You can:

Get listings live immediately without waiting for cash to free up
Maintain consistent marketing quality across all your listings
Manage cash flow more effectively when handling multiple deals
Operate like a true business with flexible payment options

It’s not about taking on debt unnecessarily—it’s about having the financial flexibility to market properties professionally from day one, regardless of when funds become available.

Automatic Repayment at Closing

The best part? You don’t have to manage anything. When your deal closes:

Titus automatically coordinates with your title or escrow company
The payoff request is sent directly to closing
Your balance (including the fee) is deducted from your commission or proceeds
Funds are released as normal

You don’t need to track invoices, send reminders, or coordinate between parties. Titus handles all the backend work seamlessly.

Common Questions

Do I need to track or manage payments?
No. Once you complete your order and choose Pay at Close, Titus handles everything. We get paid upfront, and Titus collects repayment automatically at closing.

Are there any setup fees?
No setup fees whatsoever. You’ll always see your terms clearly before confirming, so there are no surprises.

What if I want to pay early?
You can repay Titus directly at any time if you prefer not to wait until closing.

Is this available for all services?
Yes! Pay at Close works for all our media services—photography, video, drone, floor plans, virtual staging, and more.

Getting Started

Ready to try Pay at Close? You don’t need to sign up in advance or create an account beforehand.

When we deliver your next gallery or video, simply select the Pay at Close option at checkout. Complete the quick Titus approval process, and you’re done. We get paid instantly, and you pay Titus when your sale closes.

Want to see what rates you might qualify for before your next order? Get an instant estimate from Titus.

Final Thoughts

We integrated Pay at Close through Titus because we believe agents shouldn’t have to choose between great marketing and cash flow management. This solution gives you the flexibility to invest in professional media when you need it most, without the stress of upfront expenses.

Whether you’re handling one listing or ten, Pay at Close helps you maintain consistent, high-quality marketing across all your properties. It’s fast, secure, and built specifically for the unique needs of real estate professionals.

Have questions about Pay at Close or want to learn more? Feel free to reach out—we’re here to help you market your listings effectively.