Jet Media Productions
JET MEDIAProductions
(321) 800-5294

Pay at Close

Shoot It Now, Pay When It Closes

Marketing a listing costs money months before the commission arrives. On MLS listings you can now have the photos, video and tour done today and settle the invoice at the closing table.

or call (321) 800-5294
How It Works

Four Steps, One of Them Ours

You book the way you always do. The only new step is a short application with Titus, the lender who fronts the invoice.

1

Tick the box when you book

Choose your package and select pay at close on the booking form. It only appears for listing work, because the option is repaid out of a sale.

2

Your client applies, or you do

Whoever is paying applies with Titus, the lender behind the option. It takes a few minutes, approval and the rate are theirs to set, and what it will cost them is shown before they accept anything.

3

We shoot and deliver as normal

Same turnaround, same guarantees, same files. Nothing is held back and nothing is watermarked while the invoice is outstanding.

4

The invoice settles at closing

The balance is paid from the sale proceeds at the closing table, or six months after the shoot if the home has not sold by then. We are paid upfront either way, so nothing about your shoot depends on how long the listing takes.

What It Costs

A Flat $25 on the Invoice

Choosing pay at close adds $25 to the invoice. That is the whole of what we charge for it. The package price does not change, the shoot does not change, and paying by card or bank transfer on the day still costs nothing extra.

Separately, Titus charges the person paying a flat fee when they repay, from 0% to 8% depending on their credit. That figure is theirs, not ours, it is shown during the application before anyone accepts anything, and the next section sets it out in full. We are paid upfront either way, so we have no stake in which option anyone picks.

What Your Client Pays

Free at the Top, Not Free Below It

Titus charges the person paying a flat fee when they repay. It is set by credit band, it is theirs rather than ours, and it is the number that decides whether this is a good idea for a given seller.

Credit scoreAgent paysHomeowner pays
800+Super prime0%0%
740 to 799Prime4%4%
670 to 739Near prime6.5%6.5%
640 to 669Upper subprime8%8%
570 to 639Mid subprimeNot offered8%

Those are Titus rates as of September 2026 and Titus can change them, so check the live figure before you quote it to anyone. Check your rate on our Titus page, which takes about two minutes and does not commit anyone to anything. Our $25 is on top of whatever that comes back as.

  • Up to $20,000 in total deferred against one listing
  • Agents qualify for 1.5% of the list price, up to that $20,000, depending on credit
  • Homeowners qualify on home equity and credit
Who Can Use It

MLS Listings Only

The invoice is repaid out of a sale, so there has to be a sale. That single fact decides everything below.

Eligible

  • Single-family homes, condos, townhomes and 1 to 4 unit residential property
  • A signed listing agreement in place before the shoot
  • Listings in Florida, where both agents and homeowners are eligible
  • Photo, video and 3D tour packages for that listing, including add-ons booked with it

Not eligible

  • Short-term and vacation rental marketing. There is no sale to close against, and the lender excludes rentals outright
  • Commercial property, land, mobile homes and LLC-owned property over $1M
  • Pre-listing work with no signed listing agreement yet
  • Headshots, brand video, events and anything else not tied to a listing
One Honest Note

It Is a Loan, Not a Contingency

Pay at close changes when the invoice is due. It does not make the invoice conditional on the home selling. The balance is due at the sale or six months after the shoot, whichever comes first. Whoever takes it on, the seller or you, owes the lender either way, and a listing still sitting on the market at month six is repaid directly rather than at a closing table. Installment plans are available if that is easier.

We say this here because you are going to be the one explaining it at a listing appointment, and it is better coming from you first. A seller who understands it takes it well. A seller who finds out in August does not.

Approval, limits and any cost to the borrower are decided by Titus Lending, LLC under their own terms, not by us. If an application is declined the shoot still goes ahead and the invoice is simply paid the normal way.

Questions

Pay at Close Questions

What it costs, who qualifies, and what happens when a listing does not sell.

What does pay at close cost?

Two separate things. Titus charges the person paying a flat fee when they repay, from 0% at the top credit band to 8% lower down, and below roughly 640 it is not offered to agents at all. On top of that we add a flat $25 service fee to the invoice. Paying by card or bank transfer on the day costs nothing extra either way. The Titus fee is theirs, not ours: we never see it and we do not set it, and anyone can check their own rate in about two minutes before committing to anything.

Who is Titus?

Titus is the payments and lending platform we bill through. They pay us for the shoot upfront and carry the repayment themselves, which is why the option exists at all: our invoice is settled either way. Loans are made by Titus Lending, LLC under their own terms, which they show the borrower during the application. We are their customer, not their agent, and we do not act for them.

Who is actually paying, me or my seller?

Either. Most often the seller pays out of their proceeds, and the agent is not on the hook at all. An agent under an active listing agreement can also take it on themselves, which is what people do when they are fronting marketing costs for a listing. You decide which before the invoice goes out.

What happens if the home does not sell?

The balance does not disappear, and it does not wait forever. It is due at the sale or six months after the shoot, whichever comes first. If the listing has not closed by then, whoever took it out repays the lender directly, and installment plans are available if that is easier. Say this to a seller before they choose it: pay at close moves when the bill is due, it does not make the bill conditional on a sale.

Is there a deadline, or does it just sit until the home sells?

Six months. That is the lender's outside date, and it applies whether or not the property has gone under contract. A listing that is still on the market at month six means the borrower repays then, directly, rather than at a closing table. Repaying by the due date keeps it off their credit; missing it does not.

Does it change my price or my turnaround?

No. The package price is the same, the shoot is the same, delivery is the same, and every guarantee applies exactly as it does on a card payment. The only difference is the flat $25 fee and when the money moves.

Can I use it for a vacation rental shoot?

No. Pay at close is for MLS listing work only. A short-term rental is not being sold, so there is no closing to pay from, and the lender excludes rentals in its own rules. Those shoots are card, bank transfer or invoice as usual.

What will my client actually pay Titus?

A flat fee at repayment, set by credit band: 0% at 800 and above, 4% from 740 to 799, 6.5% from 670 to 739, and 8% from 640 to 669. Below 640 it is 8% for a homeowner and not offered to an agent. So it is genuinely free at the top band and genuinely not free below it. The estimator on our Titus page gives a real answer in about two minutes, and these rates are set by Titus and can change, so treat that page as the live one rather than this paragraph.

How much can be deferred?

Up to $20,000 against one listing. An agent qualifies for 1.5% of the list price up to that cap, depending on credit; a homeowner qualifies on equity and credit. Both are decided by Titus at application, not by us.

Is my client credit checked?

Yes, and it sets the rate. Approval and pricing are Titus decisions based on their own underwriting. We do not run the check, see the result, or get told why an application was declined. If it is declined the shoot still happens; the invoice is simply paid the normal way.

How do I set it up?

Select pay at close on the booking form, or tell us when you call. We invoice through Titus, who handle the application and the closing coordination. Nothing extra to install and no account for you to create.

Still deciding? See what a listing shoot costs or read the guarantees that apply to every booking, however it is paid.

Book the Listing, Settle at Closing

Pick your date, tick pay at close on the form, and we take it from there.

Book a ShootCall (321) 800-5294