True Estate Loans provides real estate financing for fiduciaries, including professional fiduciaries, trustees, conservators, executors, and agents under power of attorney, so you can manage property, raise liquidity, and protect the interests of the people you serve.
Fiduciaries are held to the highest standard of care. Every decision about a client's real estate has to be prudent, documented, and defensible to beneficiaries, heirs, or the court. When the property is the main asset and cash is short, you need a lender who understands fiduciary authority and won't add risk to your administration. We specialize in trust, estate, probate, and fiduciary lending.
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Professional fiduciaries managing trusts, estates, and conservatorships (in California, licensed by the Professional Fiduciaries Bureau)
Successor trustees and co-trustees, both professional and family members
Conservators of the estate, acting under court supervision
Executors, administrators, and personal representatives of probate estates
Agents under a durable power of attorney managing property for a principal
Corporate trustees and trust companies
Raise liquidity without selling. Financing on real property can fund distributions, care costs, taxes, and administration expenses while preserving the asset.
Fund care for a conservatee or principal. Home equity can pay for in-home care, assisted living, or memory care, often allowing a client to stay in the home longer.
Protect property from default. Bring delinquent mortgages current, pay off reverse mortgages that have come due, or resolve tax liens.
Facilitate beneficiary buyouts. Allow one beneficiary to keep a property while others receive their share in cash.
Prepare property for sale. Finance repairs and improvements that increase value and support a prudent sale decision.
Maintain and preserve assets. Cover insurance, property taxes, and maintenance while the administration continues.
Tell us about the property, your role, and the goal. We'll tell you plainly what's possible.
We review your governing documents, whether that's a trust instrument, letters, a court order, or a power of attorney, to confirm borrowing authority.
For conservatorships and probate estates, we plan around any court approval or notice your counsel identifies.
You receive written loan terms that support your file and your accounting.
We work with your attorney, title, escrow, and CPA through funding.
Specialists in fiduciary, trust, estate, and probate lending
We understand fiduciary authority, from trust powers to court orders to POA limitations
Documentation that supports your accounting and your duty of prudence
Consistent, direct contact for professional fiduciaries managing multiple files
Flexible programs for trusts, estates, and clients with limited income documentation
Respect for your role. We don't give legal advice and work alongside your counsel.
Licensed in CA**, NMLS #1881370
Yes, if their governing authority allows it. A trustee's power comes from the trust document, an executor's from their letters, a conservator's from court orders, and an agent's from the power of attorney. Each must have the authority to borrow and encumber the property.
Generally, yes, but borrowing against a conservatee's real property usually requires court approval. The conservator's attorney typically petitions the court before a loan can close.
Often, yes, if the power of attorney specifically grants authority over real estate transactions and borrowing. Lenders and title companies review the document to confirm it's durable, current, and broad enough to cover the loan.
Yes. A fiduciary with proper authority can use a cash-out refinance or other loan on the client's property to fund in-home care, assisted living, or memory care, which may let the client avoid selling the home.
It depends on the role. Lenders typically need the trust or certification of trust, letters testamentary or of administration, court orders for conservatorships, or the power of attorney, along with identification and any required court approvals.
Yes. We work with professional fiduciaries and trust companies managing multiple clients and properties, and we offer a consistent point of contact across files.
It can be, when the decision is prudent and serves the beneficiaries' or client's best interests. Fiduciaries should consult their attorney about whether financing is appropriate in a specific situation.
Whether you're a professional fiduciary with a full caseload or a family member stepping into the role for the first time, we're here to help you make sound decisions about the property in your care.
Schedule a Consultation · Submit a Scenario · Call (714) 408-6286
True Estate Loans is a mortgage lender and does not provide legal, tax, or fiduciary advice. NMLS #1881370. Equal Housing Lender/Opportunity.
