When is my Titus loan due?
Your Titus loan is due at the earliest of the following:
- When the home sells
- Six months after the first disbursement date
- When the listing is canceled or withdrawn
What “first disbursement” means
Your loan is disbursed when funds are first paid to a service provider on your behalf.
Some loans may have multiple disbursements (for example, if services are extended or renewed), but the due date is always based on the first disbursement. Additional disbursements do not extend your repayment timeline.
How the six-month timeline works
The six-month period follows calendar months:
- If your first disbursement is on the 10th, your loan is due on the 10th of the sixth month after.
- If that date does not exist in the due month (e.g., October 31 → April), the due date will be the last day of that month.
What if the home hasn’t sold?
If your loan becomes due and the property hasn’t sold, you can:
- Log in to your account
- Click “Repay Now” to make a payment
If you need additional flexibility, installment plans are available within your Titus dashboard. Please note that interest rates may apply.
How to find your due date
Log in to your Titus borrower portal. Your due date is displayed at the top of your loan summary and included in all reminder emails.
FAQs
Can I pay early?
Yes. You can pay off your loan at any time before the due date without penalty. If auto-pay is enabled, it will only charge the required amount, but you can make additional manual payments at any time.
What if I can’t pay by the due date?
Contact Titus Support before your due date. Depending on your loan and account history, an installment plan may be available.
Is interest charged during the six-month period?
Your loan agreement outlines any applicable fees or interest. You can view the full terms in your loan agreement PDF in the borrower portal.