Stage Now. Pay When You Sell.
Selling your Home?
Prep now. Pay Later.
Chicagoland Home Staging is proud to offer our new Pay at Close program — powered by Titus.
Use Titus funds to prep your home for sale. When your home sells, Titus is paid back plus a low fat fee. Now you can prepare your home for the market with professional staging and pay nothing upfront. With our Pay at Close program, staging costs are deferred until your home sells.
Frequently Asked Questions
What are the qualification criteria for Titus?
To qualify, homeowners must meet the following criteria:
- Credit score of 670+
- Verified property ownership
- At least $50,000 in available home equity
- Signed listing agreement
To date, 94% of homeowners that have applied for Titus have been approved.
Can Titus be used for investment properties?
Yes, but additional documentation is required for approval, including proof of beneficial ownership and mortgage documentation.
Can Titus be used for renewal payments?
Yes. Homeowners on Titus are approved to spend up to $25,000, and they can use that money to pay for home prep as long as their home is under an active listing agreement.
What fees are there to home sellers?
Titus charges a risk-based flat fee to homeowners, based on their credit score, which is paid at closing:
- 800+ Credit Score: 0% fee
- 740–799: 4% fee
- 670–739: 4.5% fee*
No hidden fees, no surprises.
What is the impact on my credit?
Titus performs a soft credit pull, so there is no impact on credit scores initially. However, if a homeowner defaults or fails to repay the loan, Titus may report the delinquency to credit bureaus.
What happens if the home doesn’t sell?
When homeowners choose ‘Pay at Close,’ they open a 6-month loan with an option to extend for another 6 months at an 18% annual interest rate. If the home doesn’t sell, the loan must be repaid within the loan term.
Can agents use Titus to cover staging and pay it back at close of escrow?
As of January 2025, all Titus loans are made directly to homeowners. We expect to release an agent option in February.
How does Titus make money?
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%.
How does loan payback work?
When the home is marked as contingent or pending, both the agent and client receive a notification to provide the closing attorney’s information. Titus then sends the loan payoff directly to the closing attorney, and the charge will appear on the closing statement.
Got questions? Reach out to our team at CHS and we’ll be happy to help. Check My Rate & Apply
