FAQs

Yes. HCS states that it provides loans to pay off reverse mortgages that have been called due after the death of the homeowner, helping the estate or heirs create time to stabilize the property and decide on the next step.

Yes. Trust and estate lending is one of HCS Equity’s clearest specialties. The company says it has assisted hundreds of trustees and administrators with financing tied to California real estate and equalization strategies under Proposition 19/58.

Timing depends on the loan type and the completeness of the package, but HCS says some bridge loans can close in as little as 7 business days or less, trust and estate loans are often available within 7 to 10 days in many cases, and fix-and-flip loans can close in as little as 4 to

HCS Equity’s California loan programs include trust and estate loans in probate, reverse mortgage payoff loans, fix-and-flip and distressed-property loans, 1031 and reverse 1031 exchange loans, bridge loans, and second trust deeds.

HCS Equity has been providing capital to Trusts and Estates for over 20 years. We are well versed in working with trustees, court appointed conservators, fiduciaries, attorneys, or other family members that may be involved in this transaction.

Yes, your property can be in an irrevocable or revocable living trust.

No, your heirs or estate are not liable for this debt in the event of negative equity.

A credit report is necessary, but Reverse Relief does not have a minimum credit score requirement.

No, HCS Equity does require traditional income documentation such as tax returns, paystubs, or bank statements. The borrower should have sufficient monthly income to maintain the property tax and hazard insurance payments.

No, you can have an existing mortgage on your property and Reverse Relief will retire the existing debt as part of your new mortgage. This is a great way to relieve your monthly debt, obtain funds to fix up your home, maintain a comfortable lifestyle, or help out your family.