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How do I qualify for Pay at Close?

Homeowner Qualifications

Homeowners must meet the following criteria:

  • Credit score min 570 or 640 depending on state and ownership type (see rates here)
  • Verified property ownership
  • Sufficient loan to value (LTV) ratio:

    Credit tier Required LTV ratio
    Exceptional (800+)
    		 < 90%
    Very good (740-799)
    		 < 90%
    Good (670-739)
    		 < 90%
    Average (640-669)
    		 < 70%
    Fair (570-639)
    		 < 70%

     

  • Active, signed listing agreement with subject property
  • Maximum loan amount:
    • $20,000 for prime/super prime credit (670+)
    • $5,000 for subprime credit (570-669)

Note: Titus does not currently offer homeowner pay at close loans in DE, ID, LA, MT, WA and WY. However, agent loans are allowed in each of these states. See full list of approved states here. 

Agent Qualifications

Agents must meet the following criteria:

  • Credit score of 640+*
  • Active agent or broker license in the state
  • Active, signed listing agreement with subject property
  • Payment must be less than half of expected commission
  • Maximum loan amount: 1.5% of list price, up to:
    • $20,000 for prime/super prime credit (670+)
    • $5,000 for subprime credit (640-669)

Eligible Property Types

  • Single family homes

  • Condos, townhomes, TIC's

  • 1-4 unit residential

  • Manufactured/mobile homes

    • Max $2500 loan amount

    • Agents only

    • Originating business must be a photographer 

Land, commercial, rentals, mixed use and multi-unit properties are not eligible.

Eligible Ownership Types 

Ownership can be held in one of the following:

  • Individual

  • LLC (up to $1m list price)

  • Trust

  • Partnership

  • Estate/Probate

Homes owned by a corporation are not eligible.

Disbursements to Vendors

Disbursements for listing prep can only be made to businesses that are approved and in the Titus Network. Effective April 17, 2026, out-of-network disbursements will no longer be approved. 

 *Rates and score minimums vary by state. You can see an estimate of your rate here.