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

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

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  • Funds have to be used for business purposes, personal use of the funds is not allowed. Please call us for details.

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  • Our term for Second Trust Deeds is typically a 1 year balloon payment, but we can make exceptions on a per loan basis.

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  • Not usually, most of the time HCS Equity relies on an internal valuation for the loan at no charge to you.

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  • No, all HCS Equity loans are fixed rate, lump sum loans with no ability to take a future draw. Interest accrues on the full outstanding balance from day one.

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  • Usually not, we are looking for a solid payment history on the existing debt.

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  • HCS Equity will review each situation on an individual basis using several factors to determine the qualifications. Credit is not the most important factor.

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  • HCS Equity limits our Second Trust Deeds to under 50% CLTV but we can make exceptions on a case by case basis.

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