Private Capital for Mortgage Broker Clients

HCS Equity is a private money lender in California. We work directly with high-end mortgage brokers to negotiate capital loans and secure bridging finance for their real estate investors.

For over 20 years HCS Equity has worked in tandem with the mortgage broker community to provide private capital to clients that traditional banks shy away from. The principals of HCS Equity are the active investors on most loans, so when speaking to us you will obtain accurate answers that you can count on. Unlike other private lenders, if you get our approval the loan will fund. Coming from the broker world, we understand the need to protect your client/broker relationship.

Obtaining real estate investment capital at competitive rates and with a quick turnaround is possible with HCS Equity.

Contact us today to get started on options for your clients.

Private Loan Process

Why an Estate, Trust or Probate would need a Loan

Determine who will retain property

Oftentimes one or more beneficiary wishes to retain the property and its tax base.

Determine loan amount required to equalize the trust

The property value, other assets/cash in the trust, and the number of beneficiaries are used to determine the liquidity needs of the trust.

HCS Equity provides a loan to the trust or an estate loan

HCS Equity provides private capital directly to the trust to create liquidity needed for equalization, a necessary step to avoid reassessment under Proposition 58.

Equalization and distribution

Cash or property are distributed as mutually agreed upon by the beneficiaries.

Change of ownership

Change of ownership and exclusion from reassessment are filed.

Trust loan is repaid

The beneficiary retaining the property either repays the trust loan with their own funds or secures conventional financing to repay the trust loan. That’s why a free consultation is often the best option if you’re looking for a loan from trust to beneficiary.

*This is for illustrative purposes only, HCS Equity does not provide legal advice or services

Looking To Get Started?

Contact us today for more information regarding any of our loan products. As direct lenders, we make quick approval decisions, and can provide funding in as little as 7-10 days. We are available via phone or email anytime of the day or night.

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