Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
For over 20 years, HCS Equity has funded residential and commercial real estate loans across California using our own capital. From trust and estate loans under Prop 19/58 to fix & flip, bridge, and 1031 exchange loans — we close fast, with the highest level of service.
Whether you’re equalizing an estate, closing a 1031, or rehabbing a distressed property – we
have a loan product tailored to it. Asset-based, flexible, and closed fast.
Our specialty. Equalize inheritances, preserve Prop 19/58 tax basis, buy out siblings, or fund probate administration — approved in days.
Reverse mortgages can create challenges during trust administration and estate settlement. We provide fast capital to pay off existing balances and move the process forward.
Competitive rates on short-term rehab loans for investors,including REO, foreclosure, and distressed property acquisitions.
Short-term gap financing that protects your exchange timeline. Close on the replacement property before the relinquished one sells.
Bridge the gap between buying and selling — residential or commercial. Avoid contingency offers and win competitive deals.
Flexible second-position financing secured by existing equity. Ideal for cash-out needs without disturbing a low-rate first mortgage.
$1 B+
58
20 +yrs
A sample of loans HCS Equity has closed in the last 90 days across the state.
Justin is a nationally recognised mortgage industry expert with over 20 years of experience leading a top-ten residential and commercial mortgage bank, with annual fundings exceeding $1 billion. Licensed since 1997, he brings hands-on expertise across origination, underwriting, and servicing. His legal background and direct approach make him the go-to contact for trustees, borrowers, and their attorneys.
Jordan has been a successful private money investor for nearly 20 years, previously running banking divisions for two large financial institutions. His deep knowledge of trust, probate, and real estate law gives him an unmatched ability to structure flexible loans for complex estate situations. A UCLA graduate, Jordan is widely respected throughout the California mortgage and legal communities.
Ben brings nearly two decades of corporate strategy and business development experience to his role at HCS Equity. As a longtime investor in the firm, he built the firm’s referral network across California attorneys, fiduciaries, real estate investors, and mortgage brokers. He is known by clients for his patience, clarity, and commitment to treating every transaction with honesty and integrity.
From San Diego to the Bay Area to the Central Valley, HCS Equity funds loans on residential, commercial, and mixed-use real estate across all 58 California counties.
HCS Equity is your specialist trust loan referral partner.
When your clients need to equalize an inheritance, pay off a reverse mortgage, or fund probate administration — HCS Equity closes in days, not weeks. We’ve been the lending partner of choice for California estate attorneys for over 20 years.
We’ll be in touch within one business day.
🔒 Secure. All referrals are confidential | ⚡ Response: within one business day
Here’s exactly what happens after you reach out.
Hard money can feel opaque. Here’s plain-English answers to the questions we hear most often.
Trust loans are made to the trust entity, not to an individual borrower. They don’t require a personal credit check, don’t show on personal credit reports, and can close without all beneficiaries agreeing — which is often critical in estate administration. We’ve specialized in these for 20 years and understand the probate court process in every California county.
All 58 California counties, for residential, commercial, and mixed-use real estate. We’re based in Carmel and have closed deals from San Diego to the Oregon border.
We’re asset-based lenders — the property is the primary qualification criteria. We don’t run hard credit checks and don’t have income or employment requirements. We need a clear picture of the property, the loan scenario, and a realistic exit strategy.
No. We don’t charge prepayment penalties on any of our loan products. Borrowers can pay off early at any time without cost — which is why our average loan term is often shorter than the contracted term.
Tell us about your scenario; we’ll respond within one business hour with a clear next step. No obligation, no credit impact.
From estate attorneys to career real estate investors, our clients come back — because we do exactly what we say we will. Here’s a recent snapshot.
Brian O.
March 2026
Jill C.
April 2026
Richard S.
March 2026