True Estate Loans works alongside trust and estate attorneys to provide financing for trust-owned real estate, so your clients can settle trusts, fund distributions, and resolve beneficiary disputes without forced sales or costly delays.
Real estate is often the largest and least liquid asset in a trust. When beneficiaries need cash, one heir wants to keep the home, or the trust has expenses to cover, the administration can stall. Conventional lenders often won't lend to a trust, or they ask for documents and signatures that don't fit how trusts actually work. We specialize in trust, estate, and probate lending, and we know how to work within the trust document and alongside counsel.
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Keep trust administrations moving. Financing on trust property can provide liquidity for distributions, expenses, and taxes without waiting on a sale.
Resolve beneficiary disputes. A beneficiary buyout loan lets one heir keep the property and pay the others their share, which often settles disagreements before they escalate.
Prevent fire sales. Clients aren't forced to list the property in a soft market or before it's ready just to raise cash.
Fund trust expenses. Proceeds can cover property taxes, insurance, maintenance, outstanding debts of the decedent, administration costs, and estate taxes.
Pay off existing liens. We refinance the decedent's mortgage, reverse mortgages coming due, or other liens on trust property.
Finance pre-sale improvements. Repairs and updates can raise the property's value before sale and increase what beneficiaries ultimately receive.
Loans made directly to revocable, irrevocable, and living trusts, signed by the trustee
Successor trustee financing after the grantor's death
Sibling and heir buyouts on inherited property
Cash-out refinances to fund equal distributions among beneficiaries
Reverse mortgage payoffs where the HUD due-and-payable timeline is running
Trust properties with out-of-state trustees or beneficiaries
Properties needing repairs that conventional lenders won't touch
Trustees or beneficiaries with limited income documentation
Send us your client or introduce us by email. We take it from there and keep you copied as appropriate.
We review the trust, certification of trust, and trustee powers to confirm borrowing authority before going further.
We tell you early whether the loan should go to the trust or to a beneficiary after distribution, and what documents title will require.
We work with you, the trustee, title, escrow, and the client's CPA so nothing surprises you at the end.
You'll know where the file stands without having to chase it.
Trust, estate, and probate lending is our specialty, not a side program
We respect the attorney-client relationship. We don't give legal advice, and we defer to you on trust interpretation.
We understand trustee authority, certifications of trust, and title requirements for trust-owned property
Responsive communication. You get a direct contact, not a call center.
Flexible loan programs for situations banks decline
Compassionate service for clients going through a loss, which reflects well on your firm
Licensed in Licensed by CA | NMLS #1881370 | CA DRE #02094603
Yes, if the trust document grants the trustee the power to borrow and encumber trust property. Most well-drafted revocable and irrevocable trusts include this power. The trustee signs the loan on behalf of the trust.
Typically the trust instrument or a certification of trust, any amendments, the successor trustee's acceptance if applicable, the death certificate of the grantor, and identification for the trustee. Title may have additional requirements depending on the state.
The buying beneficiary, or the trust on their behalf, can take a loan secured by the property and use the proceeds to pay the other beneficiaries their share. This keeps the property in the family and gives each heir cash.
Yes. A cash-out refinance on trust-owned real estate can provide liquidity for distributions, taxes, debts, and administration costs, as long as the trustee has borrowing authority.
A HECM reverse mortgage generally becomes due after the last borrower dies, and heirs typically have a limited time to repay, sell, or arrange financing. A refinance can pay off the reverse mortgage so the family keeps the home.
Often, yes. Some of our trust loan programs focus on the property's equity and the trust's assets rather than relying only on the trustee's personal income.
No. We handle the financing and defer to counsel on all legal questions, including trust interpretation, distributions, and fiduciary duties.
If your clients regularly hold real estate in trust, we'd welcome the chance to be a resource for your practice. We're happy to meet, answer case-specific questions, or review a scenario before you bring it to a client.
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True Estate Loans is a mortgage lender and does not provide legal or tax advice. NMLS #1881370. Equal Housing Lender/Opportunity.
