FAQs

Reverse Relief is a private reverse mortgage that is not guaranteed by a government agency such as FHA or a FDIC bank. Capital for this loan program comes from alternative sources, which eliminates much of the red tape and delays that are typically found on traditional reverse mortgage programs. The private funds allow HCS Equity

No, we will not ask the administrator to provide their personal financial information, nor will we ask for their social security number, income, assets, etc. We provide the loan under the EIN or tax ID number of the trust or estate, and the trustee or administrator will only be signing in the capacity of trustee

We can lend from $30,000 to $3,000,000.

HCS will secure the loan against almost any type of real property located within CA.

No, we can lend to a trust or estate regardless of occupancy of the property.

The typical term is one year, but we can provide longer terms depending on the situation.

No, the loan can be repaid anytime without any minimum interest amount due.

Proposition 19, which went into effect February 16th of 2021, replaced Proposition 58, and created a far more narrow property tax exclusion for inherited properties. Contact us to learn more about Proposition 19 and whether it affects you.

Yes, HCS Equity has been lending to trustees and estates, fiduciaries and conservators for over 20 years.

Yes, the loan can be paid off anytime without any sort of prepayment penalty