Stage Now, Pay at Closing

Designed for Agents

Choosing Merriment by Design’s pay‑at‑close option isn’t just a perk for your sellers—it’s a listing advantage for you. It removes the biggest barrier to staging, giving your clients the confidence to move forward without upfront costs. And when your listings hit the market fully styled and emotionally compelling, you stand out as the agent who delivers a higher‑level experience, stronger first impressions, and a smoother path to faster, higher‑quality offers.

Merriment by Design Offers Staging for $0 Up-Front Cost

APPLY FOR PAY AT CLOSE
Living room with beige armchair, dark wooden table with a vase of white tulips, open magazines, and decorative items; fireplace with white brick surround and dark wooden mantel; wall-mounted TV; wooden cabinet with glass doors; large window with white plantation shutters.

How it Works

  • Agents select pay at close as a payment method when they go to pay, either through the vendor's website or an invoice.

  • Borrower's complete a short application to determine if they qualify for pay at close. 

  • Once approved, borrower can send funds to an approved Titus vendor through their account and the vendor is paid within 24 hours

  • Once the home changes to pending status, Titus will send the borrower a series of emails and texts requesting closing information

  • Borrowers have three ways to pay:

    • Have Titus send an invoice to the closing agent (title company, escrow or law firm) by entering the closing info through their Titus portal 

    • Add a debit card to the system that will be charged three days after closing

    • Log into your Titus account and click "Repay now" to make a debit or ach payment directly

  • Soft Credit Check: A soft credit pull will be performed during the application process, so there’s no impact on the borrower’s credit score when applying or getting approved. The soft credit pull allows the applicant's credit score to be viewed and to determine an interest rate.

Bright bathroom with a glass-enclosed shower, a freestanding bathtub, a small wooden stool with a flower vase, a white towel, and a window with an arched top.

Property Qualifications

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.

A bedroom with a neatly made bed, framed artwork above the headboard, two bedside tables with lamps, a ceiling fan, and neutral-colored decor.

Agent Qualifications

  • 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)