Q: What is Titus? A: Titus is our new credit card processing service that can offer real estate agents the convenience of “pay at closing” services.

Q: How does the "Pay at Closing" feature work? A: When you take on a new listing, the upfront costs for marketing, media, and staging can add up fast. With Titus, they’ll front those costs so you don’t have to pay out of pocket. Instead, you cover those expenses seamlessly at closing.

Q: When will Titus integration be available ? A: The full integration is scheduled to launch on September 23, 2025.

Q: What is the interest rate for using the "Pay at Closing" option? A: The rate is based on the agent's credit score.

• Agents with excellent credit may qualify for a rate as low as 0%.

• Depending on their credit, the rate can fluctuate up to about 6.5% or 7.5%.

• Most agents who have good and great credit will be accepted.

Q: Will applying for Titus affect my agent's credit score? A: Titus performs a soft credit pull, which does not impact the credit score. However, late payments may be reported (by Titus) to credit bureaus and could affect their credit score.

Q: What happens if a listing doesn't sell? A: You’ll a couple of options:

• Titus will allow you to defer the payment to another one of their listings.

  Titus’ loan period is for approximately six months. If the term expires and you do not have another listing to defer the payment to, the amount will be paid from a debit or ACH account the you have on file with Titus. Agents can also roll the expense to another commission for an additional fee.