Local: 949.830.3151

Toll Free: 1.800.315.0043

0 Five Star
0 Years
$ 0 Million

Just answer the simple questions below.

Property Type?




Independent Lending is the leader in Probate Loans for California borrowers. We work with heirs, beneficiaries and probate administrators in obtaining a short-term loan against the real estate owned by the estate.

  • Obtain Funds During the Probate Process

  • Settle Estate Obligations

  • Buy Out other Heirs & Beneficiaries

  • Preserve the Existing Property Tax Rate

  • Limited Paperwork & Fast Turn Around


Independent Lending specializes in California probate loans, estate loans and inheritance loans. We focus on real estate as collateral and provide short-term financing to heirs and beneficiaries of the trust or will. With combined experience of over 40 years and millions in fundings annually, we offer a fast and streamlined process. Be one of our next 5 star review clients for our service and commitment in funding your loan.

Contact Independent Lending today for assistance with your probate, estate or inheritance loan.


What Sets Us apart


130 Five Star
  • 130 Zillow 5 Star Reviews
  • 5 Star Google Reviews
  • A+ Rating with BBB​


Loans Funded
$ 500 Million
  • 40 Years Mortgage Lending
  • Poor - Excellent Credit
  • Several Programs


Average Days to Fund
15 days
  • No Upfront Fees Ever!
  • Same Day Approval
  • Direct Lender

How Do California Probate Loans Work

It is always difficult losing a loved one. Whether the passing of your loved one was expected or sudden, it can be a lot to handle. At times, what is even more difficult is having to pick-up the pieces and manage the affairs of the deceased after they are gone.

In California, the process of administering a deceased person’s will or
 estate, which can involve the distribution of cash or other financial assets is known as probate. Real estate can also be inherited through probate.

Probate can be an expensive process depending on the amount and type of assets your loved one has left behind. Keep in mind that estates may carry outstanding debts from the deceased as well.

If you are a beneficiary of or administering an estate, a probate loan could be the solution you need to help ease the burden of an estate’s obligations. When it comes to probate loans, California allows administrators to approve short-term loans to help satisfy and close a decedent’s estate.

Because probate loans can be a little complex, it’s important to work with a lender that has in depth knowledge of how probate loans work and how best to use them.

Sometimes probate can take upwards of a few years to complete.
Independent Lending has helped hundreds speed up the process through the use of probate loans. California probate loans are the perfect solution to combat a lengthy probate process.

What is a Probate Loan

A probate loan is a type of short-term financing that allows you to borrow against real estate assets held in an estate. Also commonly referred to as an estate loan, probate loans can solve a lot of unique problems that may come up throughout the probate process.

Data indicates that the probate process in California can take as little as nine months to complete, although that’s often a big stretch. Under normal circumstances, the average length of time it takes to complete the probate process is between one to two years.

Before you can obtain a probate loan, California requires the financing be approved by multiple parties. The 
probate administrator and all beneficiaries of the estate must approve and provide consent before a probate loan can be secured by any real estate owned by the estate.

California Probate Process Steps

The probate process can be complicated and time consuming. Usually, the probate process follows a few typical steps which can start right after an individual’s funeral. The typical steps include:

1. Locating a last will and testament (if any)

2. Provide a death certificate to key organizations (i.e., life insurance companies, banks, etc.)

3. File a petition with the probate court

4. Identify where the decedent’s assets are located

5. Paying creditors and outstanding tax obligations

6. Distributing remaining assets to beneficiaries and heirs

7. Finalize probate processing 

Factors that Can Delay the California Probate Process

If you are working through California probate procedures, understand that there are several circumstances that can delay the process. The biggest issues often arise when there are multiple beneficiaries to an estate. Communication with all individuals can slow the process down.

Similarly, the more beneficiaries the more likely a dispute with the will or the way the state is being administered can occur. Any beneficiary has a right to contest a will, although the majority of the time they don’t receive a court ruling in their favor. Nevertheless, it can cause a major road bump in the California probate process.

Other issues that can delay the California probate process include when a person has no last 
will and testament and when an estate owes taxes and the administrator must file paperwork with the IRS.

Need a California Probate or Estate Loan?

Dusk view of a modern home - Achieve your real estate dreams with our trusted Sacramento hard money lender services!

California Probate & Estate Loans

Evening cityscape of modern homes - Symbolizing Sacramento commercial property success with hard money loans!

Commercial Private Money Loans

Advantages of Using a Probate Loan

Probate loans can be a strategic tool to help solve a lot of problems that can occur throughout the California probate process. They can also help reduce the time it takes to get through the entire probate process.

Settle an Estate’s Outstanding Obligations

One of the best ways to use a probate loan is to help settle any outstanding obligations that the decedent’s estate incurs throughout the probate process. Probate can be a long process and over time there are a number of expenses that need to be settled.

A probate loan can provide funding to cover funeral expenses, lawyer fees, debt settlement, mortgage payments, and real estate costs including maintenance and property tax payments.

In some cases, heirs may be required to pay these types of expenses out of pocket. However, with probate loans, California heirs have the option to leverage the equity in real estate held in the estate to avoid dipping into their personal savings.

Using a probate loan can not only help alleviate stress for those dealing with an arduous probate process, but it can also help remove financial roadblocks that would prolong the process for heirs and 

Buy-Out Other Interested Parties

Some probate situations are much more complicated than others. One example is when an individual bequeaths real estate to multiple beneficiaries. Often one or more heirs decide they want to maintain ownership of the property while others may want to sell the property and divide the proceeds equally among all interest parties.

One advantage a probate loan can provide is the flexibility to buy-out the interest of other interested parties so that you can obtain full ownership and control of the subject real estate, without being forced to sell.

Typically, the court would require you to pay the other beneficiaries out-of-pocket to settle their ownership claim to the property. However, you may not have enough of your own funds to make the transaction work.

Using probate loans, California heirs can avoid paying out other beneficiaries out-of-pocket making it much easier to clear up any issues or disputes related to the inherited real estate.

California Probate & Estate Loan Highlights

(State Specific)

Avoid a Tax Reassessment

A serious consideration you will want to make with inherited real estate is to preserve the tax value of the property. Older properties were often originally purchased for substantially less money compared to where home values are at today.

Since property taxes are based upon the original purchase price of a home, an ownership transfer event, like probate, can trigger a property tax reassessment. This means that the property taxes could be reassessed based on the property’s current fair market value, often increasing the tax burden significantly.

Getting a probate loan to buy out other beneficiaries to the estate throughout the probate process can help avoid a tax reassessment, translating to several thousand dollars in savings.

Also, with respect to probate loans, California has 
Proposition 58 which can work in conjunction to help excuse a property from tax reassessment on transfers from a parent to child.

It’s important you work with both a probate loan expert like
Independent Lending, as well as a licensed attorney to develop the right tax savings strategy for your probate transaction.

Key Takeaways

Losing a loved one is difficult enough; you shouldn’t have to deal with the headaches of a lengthy probate process as well. Independent Lending understands the need to expedite the probate process so that you can focus on grieving and moving on with your life.

While the California probate process can be both long and expensive, leveraging a probate loan can help provide the necessary short-term financing to settle outstanding obligations of an individual’s estate, buy-out other beneficiaries, or even work to help preserve a property’s existing property tax assessment.

How We Can Help

Real World Scenario

Independent Lending provided a $100,000 private money 1st mortgage for an investment property in probate. The probate administrator allowed for the financing to go thru after analyzing the beneficiary’s overall strength in being able to pay back the loan as well as the equity position of the property. The loan was secured by a single family residence located in Moreno Valley, CA with a value of $525,000. All parties of the trust agreed to the transaction and we were able to complete the new loan within 2 weeks.

About Our Mortgage Lending and Service

Read What Our Borrowers Have To Say


Frequently asked questions About California Probate & Estate loans

As long as the trust agreement permits the trustee to create a loan for money.  The trustee will consider the beneficiary’s ability to pay back the new loan being loan issued. 

All parties that are related to the trust must give permission. The beneficiary will also apply for the loan and will need to qualify.  Credit is not typically a major deciding factor for approval.

We can usually fund within 7-14 days providing that everyone in the trust is on board and title needs to not have any major issues.

Need a California Probate or Estate Loan?


Contact Independent Lending

Call Toll Free: 1.800.315.0043 / Local: 949.830.3151 or click the Contact Us button to fill out our secure web form for a call back. At Independent Lending, we give every loan request the respect it deserves.

Related Articles

Scroll to Top