Pay at closing: book your listing media now, pay $0 up front

What is pay at closing?

It's a way to book your listing media now and pay for it later, out of the sale. You pay $0 when you book. We shoot, and your photos land the next morning like always. The bill is paid when the home closes.

Agents spend real money on a listing weeks before they get paid. Photos, film, drone, 3D, staging, signs, open houses. It all comes out of your pocket first, and your commission shows up a month or two later. Pay at closing flips that. The marketing gets paid for by the deal it helped close.

How it works, step by step

1. Book your shoot like normal. Pick your package in our booking portal, add anything you want, and choose a time.
2. Choose pay at closing. You'll answer a few questions about you and the listing.
3. Get a quick answer. Approval starts with a soft credit check. It won't affect your credit score.
4. We shoot. You market. Same visit, same team, same next-morning delivery. The listing film still takes up to 4 business days.
5. It's paid at closing. When the listing goes pending, the closing details are collected and the bill is paid from the sale.

What this opens up for you

This is the part we're most excited about. When cash up front stops being the limit, the question changes from “what can I afford right now?” to “what will sell this home best?”

• Book the package the home deserves. Go from photos only to photos plus film. Add the drone, the 3D tour or the twilight shot you usually skip. More of the marketing plan gets done on day one, when buyers are paying the most attention.
• Build your brand on the same order. Add a Mini Branding Session to your listing shoot: branding videos and fresh photos of you, shot in the same visit. It's paid at closing with everything else. Your personal brand gets a boost from a listing you already have.
• Walk into the listing pitch with more. You can promise a seller the full plan, film, drone, 3D and all, without fronting the money yourself. That's a stronger pitch, and it's one fewer reason to hold back.
• Keep your cash free. Your money stays in your account for everything else a listing needs, from open houses to ads.
• Handle a busy month. Three listings in one week used to mean three bills in one week. Now each one can be paid when it closes.

The honest fine print

We want you to know exactly how this works before you pick it. Here's the short version:

• Who qualifies. You need an active real estate license and a signed listing agreement. Approval depends on your credit, and the minimum score varies by state.
• When it's due. When the listing closes, or six months after you apply, whichever comes first.
• If the home doesn't sell in six months. The balance is still due. You can pay it off, use a payment plan, or move it to another listing for an extra fee.
• What it costs you. Your rate depends on your credit, and some agents qualify for 0%. You'll see your terms before you agree to anything.
• Your credit. Applying is a soft check that won't hurt your score. Late or missed payments can be reported to the credit bureaus, just like any bill.
• What it covers. Your listing media, plus a Mini Branding Session when it's added to the same listing order. A branding session booked on its own, with no listing, is paid the usual way.

Is it right for every listing?

Not always, and that's fine. If a home might sit for a long time, or you'd rather not use credit, paying by card is simple and still one invoice. Pay at closing shines when you're confident in the listing and want to go all in on the launch. You choose, every time you book.

Want to see what a bigger package looks like for your next listing? Our pricing page shows every package, and this guide walks through how the media should change with the price of the home.

Frequently asked questions

Do I really pay nothing when I book?

Yes. When you pick pay at closing and you're approved, you pay $0 when you book. The bill is due when the listing closes, or six months after you apply, whichever comes first.

Will applying hurt my credit score?

No. Approval starts with a soft credit check, which doesn't affect your score. Late or missed payments later on can be reported, like any other bill.

What happens if my listing doesn't sell?

After six months the balance is due either way. You can pay it off, use a payment plan, or move it to another listing for an extra fee.

Can I pay for a branding session at closing?

Yes, when you add a Mini Branding Session to a listing order. It's shot in the same visit and paid at closing with the rest of the order. A branding session booked on its own is paid the usual way.

Is there a cost to use pay at closing?

It depends on your credit. Some agents qualify for 0%, and you'll see your exact terms before you agree to anything.