Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Private Real
Estate Lending ·
Since 2005
Our team works with real estate investors, successor trustees, executors, administrators, fiduciaries, conservators, attorneys, and other professionals involved in California real estate transactions. Whether the goal is to preserve inherited real estate, facilitate trust or estate distributions, complete a 1031 exchange, pay off a reverse mortgage, purchase investment property, or secure short-term bridge financing, HCS Equity provides practical lending solutions built around the specific transaction.
Every loan scenario is different. That is why HCS Equity takes a hands-on approach to each request, reviewing the property, ownership structure where applicable, available equity, the loan purpose, and the proposed repayment strategy to determine whether a private lending solution is appropriate.
HCS Equity has more than 20 years of experience in real estate investment and private lending. Our leadership team has extensive experience across residential, commercial, trust, estate, and investment property lending throughout California. Unlike many traditional lending companies, HCS Equity keeps the process personal. When borrowers, attorneys, trustees, or brokers contact us, they are speaking directly with experienced decision-makers who understand the transaction and can move quickly.
HCS Equity is a direct private lender that funds loans using its own capital and capital from affiliated investment sources, allowing for flexible underwriting and responsive decision-making. This allows us to offer flexible underwriting, practical loan structures, and responsive communication throughout the process.
Based on the Central Coast, HCS Equity serves borrowers throughout the state of California.
The HCS Equity team brings decades of experience in private lending, commercial and residential real estate, trust and estate financing, and investment property transactions throughout California.
Led by Founder and CEO Justin Aldi, Co-Founder Jordan Must, and Managing Partner Ben Heilig, HCS Equity combines real estate lending experience with a direct, relationship-driven approach. The team works closely with borrowers, attorneys, trustees, fiduciaries, brokers, and real estate professionals to help structure private lending solutions for complex property scenarios.
Founder / ceo
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.
CA DRE #01241216 · NMLS #15876
co-founder
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.
CA DRE #01380421 · NMLS #291901
managing partner
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 & integrity.
CA DRE #02074311 · NMLS #2128105
Contact HCS Equity today to learn more about our private real estate loan products. As a direct private lender, HCS Equity can often provide funding within 7–10 business days, depending on the property, documentation, and loan scenario.
HCS Equity has funded real estate loan scenarios across California, including trust loans, probate and estate loans, bridge loans, 1031 exchange loans, reverse mortgage payoff loans, fix and flip loans, REO and distressed property loans, and second trust deed loans.
Our case studies show how private capital can help borrowers solve real-world property challenges, from sibling buyouts and trust equalization to investment property purchases, renovations, reverse 1031 exchanges, and inherited property expenses.
Private real estate lending can involve unique questions, especially when a property is held in a trust, estate, probate matter, investment structure, or complex title situation.
Our FAQ section answers common questions about HCS Equity’s loan programs, including trust lending, probate and estate loans, reverse mortgage payoff loans, 1031 exchange financing, bridge loans, fix and flip loans, REO and distressed property loans, second trust deeds, hard money lending, and Proposition 19-related lending scenarios.
HCS Equity is built around personal service, practical lending solutions, and direct communication with experienced decision-makers. Our clients often come to us during time-sensitive or complex real estate situations, and our goal is to provide clarity, responsiveness, and certainty throughout the process.
Brian O.
March 2026
Jill C.
April 2026
Richard S.
March 2026
Tell us about your scenario; we’ll respond within one business hour with a clear next step. No obligation, no credit impact.