Keep Your Family Home & Preserve Your Property Tax Base While Buying Out Beneficiaries
Specialized Prop 19 Trust & Probate Lending Solutions
Inheriting Property Shouldn't Mean Family Conflict or Financial Stress
When a loved one passes away, inheriting property often brings unexpected challenges:
Fighting between beneficiaries over whether to keep or sell the property
Confusion about proper funding options to preserve property tax advantages
Lack of liquidity during probate to pay expenses or prevent foreclosure
Misinformation about loan options and tax consequences
Uncertainty about whether keeping the property is financially viable long-term
The Right Funding Solution Makes All the Difference
At True Estate Loans, we provide specialized lending solutions through the prop 19 provisions that:
Preserve Your Property Tax Base: Our trust and estate loans are the correct way to equalize distributions according to the State Board of Equalization's laws, preventing property tax reassessment
Resolve Family Conflicts: We provide financial analysis tools that show all beneficiaries how keeping the property can benefit everyone financially
Provide Fast Funding: Get quick solutions for probate expenses or to stop foreclosure proceedings.
Create Clear Financial Paths: We help you understand both short and long-term financing options so you can make confident decisions.
Our Simple Process
1. Initial Consultation
We begin with an initial consultation to understand your unique situation and assess your financing needs.
2. Financial Analysis
We continue with a custom cost benefit analysis and qualification assessment for long-term financing.
3. Loan Funding
We then fund your loan according to prop 19 guidelines. You will receive personalized support all the way through the process.
Ready to get started?
MEET Tanis
TANIS KLUEVER
NMLS #1795939 | CA DRE #01768570
O: 949.266.0112
C: 714.408.6286
[email protected]
Tanis has been a trusted Trust & Estate Lender, specializing in prop 19 since 2018. Throughout her career, she has successfully funded over $500 million in loans, assisting more than 1,000 clients with their home financing needs. Tanis is committed to guiding clients across the nation with the financial knowledge and support they need to make confident, informed decisions for themselves and their loved ones.
She works closely with clients, attorneys, and fiduciaries to create a lending process that is smooth, transparent, and efficient. Those who work with Tanis can count on her integrity, honesty, and unwavering dedication—especially during life’s more difficult moments.
How Our Approach Benefits You
Significant Tax Savings
Preserve property tax rates at ~$1,000 annually instead of $11,000-$12,000 after reassessment
Family Harmony
Our cost benefit analysis tools help convince reluctant family members by showing the financial advantages for everyone
Financial Clarity
Understand both short-term and long-term implications before making decisions.
Foreclosure Prevention
Fast funding solutions when time is critical
Expert Guidance
Navigate complex regulations with someone who understands the nuances across different counties
Making an Informed Decision
Is keeping the property financially viable for you?
We start by determining if you can qualify for long-term financing before proceeding with any short-term trust or estate loan. This ensures you won't be stuck with an expensive loan you can't refinance.
Worried about the cost of the trust loan?
While trust and estate loans have higher interest rates initially, they're designed as short-term solutions. Most clients quickly refinance into conventional loans at much lower rates after the property transfer is complete.
Concerned about qualifying for financing?
We evaluate your ability to qualify for long-term financing from the start, ensuring you don't take on short-term debt without a clear path forward.
Take the First Step to Preserving Your Family Legacy!
Schedule your free consultation and cost benefit analysis to understand your options and make the best decision for your family's future.
What happens next: After scheduling, you'll speak directly with our trust and estate lending specialist who will analyze your unique situation and provide clear guidance on your best path forward.
Answers to Common Questions
What's the difference between trust lending and probate lending?
Trust lending is primarily used to help beneficiaries take advantage of Proposition 19 and keep their parents low Proposition 13 tax base. While probate lending provides liquidity during the probate process for expenses or to prevent foreclosure, lending can also be for Prop 19 purposes.
Will I have to personally guarantee the loan?
No. Our probate loans are not tied to you individually - they're secured by real property.
How quickly can funding be provided?
For urgent situations like preventing foreclosure, we can expedite funding once we have the necessary documentation. Typically anywhere from 5-10 business days.
What makes your loans different from a regular mortgage?
Using your own funds or a regular mortgage to buy out beneficiaries triggers property tax reassessment. Our trust and estate loans are structured specifically to comply with Prop 19 rules to preserve your tax base. (*These loans are also not personally guaranteed.)
How much can I save in property taxes?
Many clients preserve a tax rate of around $1,000 annually instead of facing reassessment that could increase to $11,000-$12,000 per year. When we meet, we can help you calculate your estimated property tax savings.
Why Clients Trust True Estate Loans
Led by Tanis Kluever, our team approaches each client like family.
We believe in:
Taking time to understand each family's unique situation
Providing honest guidance, even when that means recommending against keeping a property
Continuously learning about county-specific requirements to protect our clients
Creating financial clarity through detailed analysis
Making the most of your potential prop 19 benefits
The greatest reward is hearing clients say "I had no idea how we'd ever convince my sister to let me keep this property" - because we know we've helped preserve not just a house, but a home filled with memories.
Tanis Kluever
Managing Director, Trust Division
O: 949.266.0112
C: 714.408.6286
[email protected]
28202 Cabot Road, Suite 300, Laguna Niguel, CA 92677
Copyright ©2025 | CKC Financial, Inc, dba True Estate Loans
Licensed in CA: NMLS ID 1795939 | CA DRE #01768570
