Probate & Estate Loans
Estates Move on Court Time. Your Financing Shouldn't Fight It.
Probate financing fails when the lender doesn't understand the process. We've funded estate transactions since 2009 — we know court confirmation timelines, letters of administration, and what a judge needs to see.
We work directly with estate attorneys, administrators, and heirs to structure loans that fit the legal process instead of fighting it.
Program Parameters
Probate & Estate Loans
Specialized funding for properties in probate, trust sales, and estate situations. We understand the unique timelines and court requirements.
Estate Situations We Fund
Financing Built Around the Probate Process
Every estate has its own complications. These are the ones we resolve most often.
Heir & Sibling Buyouts
One heir wants to keep the family property; the others want their share in cash. We lend against the property so one heir buys out the rest — no forced sale, no family fracture.
Estate Debt & Expense Settlement
The estate owes taxes, attorney fees, or debts, but its wealth is locked in real estate. We unlock equity so the administrator can settle obligations without a rushed below-market sale.
Court Confirmation Purchases
Buying property through a court-confirmed probate sale means hard deadlines and overbid risk. We fund on court timelines so your purchase doesn't collapse waiting for a bank.
Trust Property Financing
Successor trustees often need capital against trust-held property — to distribute to beneficiaries, maintain the asset, or prepare it for sale. We lend directly to trusts and coordinate with trustees and counsel.
Pre-Sale Property Preparation
The estate property will sell for far more with repairs and updates. We fund the work so the estate captures full market value instead of settling for an as-is investor price.
Reverse Mortgage & Lien Payoffs
A reverse mortgage comes due at death, or existing liens threaten foreclosure during probate. We pay off the pressing debt and give the estate time to administer properly.
The CDF Difference
Why Attorneys and Administrators Choose CDF
Court confirmation expertise — we know what judges require
Flexible timelines matched to the probate calendar
Direct coordination with estate attorneys and fiduciaries
We lend to estates, trusts, and administrators — not just individuals
How It Works
From First Call to Funded in 4 Steps
A streamlined process built to close in as few as 7 business days.
Apply
Submit your loan inquiry online or by phone. We respond within 24 hours with an initial assessment and preliminary terms.
Underwrite
Our team evaluates the property and deal structure. We order the appraisal, title, and complete our due diligence.
Approve
Receive your commitment letter and clear closing conditions. We work with your escrow and title to prepare for funding.
Fund
Sign documents and receive your funds. We close in as few as 7 days from completed application. Fast, simple, done.
Common Questions
Probate & Estate Loan FAQs
Can an estate or trust get a loan during probate?
Yes. With proper authority — letters testamentary, letters of administration, or trustee powers — an estate or trust can borrow against its real estate. We structure these loans regularly and coordinate directly with counsel on the required approvals.
How does an inheritance buyout loan work?
The loan is secured by the estate property and the proceeds pay the departing heirs for their shares. The heir keeping the property then refinances into long-term financing or sells on their own timeline. It keeps the property in the family without anyone being forced out cheap.
Do you require court approval for the loan?
It depends on the administrator's authority. Under full IAEA authority, many loans proceed with notice rather than a hearing; limited authority may require court confirmation. We've worked both paths and build the timeline around what your case requires.
What are the terms on probate and estate loans?
Up to 65% LTV, $100K to $3M, terms of 6 to 24 months, rates from 10.99%. Interest-only structures keep the estate's carrying cost low while administration completes.
Do you work directly with our probate attorney?
Always. Estate loans go smoother when the lender and counsel are in direct contact — we handle the lending mechanics so your attorney can focus on the administration.
How fast can an estate loan fund?
In as few as 7 days once we have the property details and authority documents. Call (626) 796-1680 — we'll tell you in one conversation what the estate qualifies for.
Explore More
Related Loan Programs
Tell Us About Your Deal
One call gets you a straight answer and preliminary terms within 24 hours. If we can't do the deal, we'll tell you that too — fast.
All loans are business-purpose loans secured by California real estate. Rates, LTVs, and terms shown are program starting points — final terms are deal-specific. DRE# 01885595 | NMLS# 1159831