Loans to
Trusts and Estates

Location: Venice, CA
Funded: $350,000
Private Loan Type: Trust Loan

care-costs-special-needs-trust

Deal Highlights:

  • Beneficiary of a special needs trust ran out of funds before reaching minimum age to qualify for a reverse mortgage

  • The trustee was forced to encumber the trust-owned property to cover the beneficiary’s care expenses

Deal Summary:

The beneficiary of a special needs trust needed capital to cover care expenses. With only 2.5 years before reaching the minimum age to obtain a reverse mortgage, the trustee needed to encumber the trust property with a private trust loan. We stepped in to provide sufficient funds, and held three years worth of payments with our servicing company to cover the monthly debt service to bridge the gap until the reverse mortgage could be obtained.

Deal Details:

  • Property Type – Single-Family

  • Lien Position – First Mortgage

  • Loan-to-Value – 27%

  • Loan Term – 36 months

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HCS Equity is a private money lender based in Carmel, California, specialized in loans for trust & estate property.

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