For over 20 years, HCS Equity has worked with families to pay off reverse mortgages that are due. As an active member of over 40 bar associations and legal communities throughout California, HCS has the experience and legal know-how to navigate the complex probate process and provide short-term capital to pay off a reverse mortgage. The administrator or trustee will sign the loan documents in the sole capacity of their title and have no personal liability. According to CA Probate Code XXXXXXXX, an administrator or successor trustee is usually granted the authority to encumber a property as part of their legal authority.