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Titus makes money by charging a small percentage-based fee to businesses as well as a risk-based flat fee for borrowers starting at 0%.

• For homeowners, after the due date you can either repay or extend for additional months at an 16% annual interest rate. Funds are due six months after the first disbursement date.
• For agents, after the due date you will need to repay directly.

When the home sells, Titus is repaid for any funds used plus a flat fee. For example, if $100 is spent on listing prep with a 4% fee. Titus is repaid $104 when the home sells.

Titus performs a soft credit pull for pre-qualification purposes, which does not impact your credit score. However, if the loan is not repaid on time, Titus may report the delinquency to credit bureaus, which could affect your credit score.

Once the home is marked as contingent or pending, simply add the closing information on Titus. Titus coordinates directly with the closing agent and the loan payoff will be included in your closing statement.

Yes, Titus supports properties owned by LLCs, trusts and estate / probate sales. Additional documentation is required that shows proof of ownership or legal authority to complete the sale - as well as documentation showing any outstanding mortgage balance. Note that all Titus loans are personal loans to individuals.

To qualify, homeowners must:

• Meet a minimum credit score (varies by state)
• Own the property being listed
• Have a loan-to-value below 90%
• Have a signed listing agreement with your real estate agent

Agents must:

• Meet a minimum credit score (varies by state)
• Have an active real estate license
• Have a signed listing agreement

Approved homeowners will qualify for up to $20,000 depending on their home equity and credit score. Agents can qualify for up to $20,000 based on the expected commission amount and credit score.