Quick heads up for agents in Olympia, Lacey, Tumwater, and Shelton: you can now pay at close for your listing media with Front Porch Media. Photos, video, drone, floor plans, the whole package. Order it now, pay for it when the house sells.
I'm Matt. I run Front Porch Media, and this year I was voted 2026 Best of South Sound for real estate photography, which still feels a little surreal. I shoot listings all over Thurston and Mason County, and I'm also a licensed agent, so I know exactly what it feels like to front the marketing money on a listing before a single dollar comes back. That's the whole reason I set this up.
Why you can't skimp on listing media right now
Buyers scroll. That's just how it works now. They flip through Zillow at a stoplight, and if the first photo doesn't grab them, they're on to the next house before they ever see your beautiful kitchen. Phone photos, dark rooms, and tilted walls quietly tell buyers nobody cared, and that shows up in the offers.
Here's what good media actually does for you:
Real photos get more clicks, more saves, and more showings than phone photos. Every time.
Floor plans keep people on your listing longer because they can picture how the house actually lives
Video and drone give the listing a second life on Instagram, Facebook, and YouTube
Showing up with strong media makes your next listing presentation a whole lot easier
I get it. When money is tight, marketing is the first thing to get trimmed. But the agents who skimp usually end up with more days on market and lower offers, and that costs way more than the photos ever would. Pay at close means you don't have to make that trade. Craftsman near downtown Olympia, new build in Lacey, starter home in Tumwater, waterfront out in Shelton, doesn't matter. Hit the market with the full package and settle up at closing.
How pay at close works
I partnered with a company called Titus to handle the financing side so I can stay focused on the photos. It's the same simple process for every listing I shoot.
Check your rate first at gotitus.com/estimate/front-porch-media. Your rate is based on your credit score, so just know this step does a hard pull on your credit.
Decide if it makes sense for you. We'll land on a dollar amount based on the services you want, and I'll send you an invoice with the pay at close link on it.
Fill out the quick 2 minute application from that invoice (no credit impact this time). I get paid, you get your media.
Pay it back when the home sells. That's it.
If the home doesn't sell, the balance is due six months after the first payout. More on that below.
Pay at close FAQ: Getting started
How do I apply for pay at close?
Easy.
We talk about the services you need
I send your invoice, pick the pay at close option and it walks you through it:
Enter your phone number to sign up
Fill out the short application
Once you're approved, finish checking out and we're good to go
Be sure to do this prior to scheduling check your rate here gotitus.com/estimate/front-porch-media
FAQs
Will applying affect my credit score?
The rate check up front does a hard pull. The application itself does not. Titus only runs a soft check there, so applying and using the funds won't ding your score. The only way your credit takes a hit is if you don't pay Titus back when it's due.
What are the criteria to get approved?
The seller owns the property with a loan to value ratio better than 90%
There's an active, signed listing agreement
It's not land, commercial, or a manufactured home
If an LLC owns it, the list price needs to be under $1M
Credit score is above the limit for Washington. You can check at gotitus.com/estimate/front-porch-media
How much can I defer to close?
Up to $20,000, depending on the equity in the property and your credit score. That's plenty of room for a full media package with some left over.
What are the fees?
They start at 0%. Your exact rate shows up when you check at gotitus.com/estimate/front-porch-media.
Quick example: say your rate comes back at 4% and you spend $1,000 on media. You'd pay back $1,000 plus $40, so $1,040 at closing.
Can I use my pay at close funds for other listing expenses?
Yep. Log into your Titus account at gotitus.com with the phone number you signed up with, and from your dashboard you can pay any other business on Titus. Staging, painting, repairs, marketing, whatever the listing needs.
Pay at close FAQ: Repayment
When are funds due?
Pay at close is a 6-month loan through Titus. It comes due at whichever of these happens first:
The home sells
The listing is canceled or withdrawn
Six months have passed since the first payment
How do I repay through closing?
Once you're under contract, you just tell Titus who's handling the closing:
Go to your Titus account at gotitus.com
Log in with the phone number you originally used to sign up
Click the button that says "Add closing info"
Add details for the title, escrow, or attorney handling your closing
From there, Titus emails a payoff invoice straight to the closing team and it gets handled at the table. If your balance is under $2,500, you can also turn on Autopay and it'll charge a debit card three days after the sale.
Can I repay outside of closing?
Sure can. Pay it off any time through your Titus account:
Log in to your account at gotitus.com
Click Repay Now
Follow the prompts to repay by ACH or debit card
What if the home doesn't sell?
It happens. If the home hasn't sold by the time the balance is due, you can pay it off in one shot or set up an installment plan. Just know installment plans can pick up extra fees if they run past the original due date.
What happens if I fail to repay the loan?
I'll be straight with you: this is a real loan. If you default, Titus can report it to the credit bureaus and that will hurt your credit. So treat it like any other listing expense and plan to settle up.
Ready to book?
Got a listing coming up in Olympia, Lacey, Tumwater, Shelton, or anywhere else in the South Sound? Let's get it on the calendar. Full media package, pay at close, and the same real estate photography that won Front Porch Media the 2026 Best of South Sound.
Call or text me at 360-259-6315, If you've got questions about pay at close, just ask. Happy to walk you through it.
Matt Murray Front Porch Media 2026 Best of South Sound, Real Estate Photography
