HCS Equity has been ranked by the California Estate Council as the fastest mortgage lender in California for the past 9 years. HCS Equity can provide a mortgage loan to an estate in as little as 6 days to provide capital for legal expenses, home repairs, paying off an existing loan that is in foreclosure, evicting tenants, updating a property for sale, paying off back-due property taxes, obtaining an insurance policy, or completing a non-pro-rata distribution between siblings. Loans are usually completed without an appraisal and do not require the administrator to sign a personal guarantee. All loans must be secured by property in California that has a strong equity position.