Sell with no out of pocket expenses

The hassle-free way to sell your home faster and for more money.

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Fast approvals

Get qualified in minutes based on your current home equity.

No interest up to $25k

Only pay a $500 closing fee (equivalent to 4% APR).

Sell faster, for more

Prepping your home before selling it can reduce days on market.

Top agent invite required

To access Titus, your agent needs to be a Titus partner.

Get more for your home

How it works

Get an invite

An agent invitation is required to get started.

Get approved

Download the app to create an account.

Unlock funds

Spend from Titus like a normal checking account.

Close

Loan paid back at close from sale proceeds.

Cover any home update

Requirements

You have home equity

To determine the amount of funds we can unlock, we look at your current equity in your home and outstanding mortgage. You can access up to 80% LTV of your home equity (max $125k).

You’re working with a top agent

To use Titus, you need a signed listing agreement with an agent who ranks in the top 5% of agents in your state. This helps us keep costs as low as possible for you.

FAQ

What happens if the home doesn’t sell?

Any funds the seller used plus fees are due at close of escrow or after 6 months. If the seller has not sold the home or repaid the loan after 12 months, we’ll start charging interest at the rate of 1.5% a month. If the seller still has not sold the home or repaid the loan after 12 months, it may be sent to collections.

Are there fees if I don’t use the funds I unlock?

In that case, the only fee is a closing fee charged for opening and maintaining a Titus account.

What is a CLOC?

A CLOC refers to a Closing Line of Credit. Titus invented the CLOC to enable sellers to access their home’s equity to prepare their home for the market.

Will this impact my credit score?

We don’t want to impact you credit score as many sellers are also applying for new mortgages. Your credit will only be impacted if you default on a Titus CLOC.

Are there limitations on how the funds can be used?

The money can be used for anything other than paying down existing debt. Most sellers spend on basic updates, staging, and moving. Titus does not restrict which vendors you may use.

Get started

See if your address qualifies

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Results may vary. Aalto, Inc. dba Titus does not guarantee or warranty any results. Subject to the terms and conditions of your loan agreement with Aalto, Inc. dba Titus. Loans are provided by Titus. Loan eligibility is not guaranteed and all loans are subject to credit approval and underwriting by Titus. Rules and exclusions apply. Subject to terms and conditions.

548 Market St PMB 69980 San Francisco, California 94104