Probate Loans California — How to Borrow Against an Inherited Property

Probate in California is slow.

We're talking 6 months on the fast end. Sometimes 2 to 3 years.

And the whole time — property taxes are due. The mortgage still needs to be paid. Legal fees keep adding up.

But you can't touch the assets yet.

That's exactly the problem a probate loan solves.

What is a probate loan?

A probate loan is a short-term loan secured against real estate owned by an estate that's going through the probate process.

Think of it as borrowing against an inheritance before probate officially closes.

The estate — not you personally — is the borrower.

And the real estate in the estate is the collateral.

What can the money be used for?

• Paying property taxes on the inherited home

• Covering estate attorney fees and court costs

• Property maintenance, repairs, and insurance

• Paying off debts of the estate

• Buying out a beneficiary who needs cash now

• Preventing foreclosure on an estate property

• Equalizing distributions between heirs

Who can get a probate loan in California?

• Estate administrators and executors

• Heirs and beneficiaries with an interest in the estate

• Successor trustees managing a trust in probate

Note: In California, loans against a probate estate may require approval from the probate court. We work closely with estate attorneys to navigate this process.

How is it different from an inheritance advance?

Good question. They sound similar but they're not the same.

A probate loan is secured by real estate. Lower cost. More structured. Repaid when probate closes or the property sells.

An inheritance advance is a cash advance against your expected inheritance. Higher cost. Simpler to get but more expensive.

For families with real estate in the estate — a probate loan is almost always the better option.

How fast can you close?

We've closed probate loans in as little as 7 days.

Most close in 7 to 15 business days depending on the complexity and whether court approval is needed.

We work directly with your estate attorney to keep things moving.

Do you need good credit?

No.

These are asset-based loans. We lend based on the property value — not your credit score or income.

This matters because most heirs and beneficiaries aren't applying for a loan based on their own financial profile. The estate is the borrower. The real estate is the collateral.

Have a trust or probate deal? Let's talk.

Call or text: (949) 874-1973

Email: loans@southcountycapital.com

www.southcountycapital.com

California DRE License #01884316