Business Details
24 Years
experience
Trusted Private Real Estate Lending in California
HCS Equity has been a trusted private real estate capital investor in California for over two decades. We specialize in providing asset-based lending solutions for residential and commercial properties, with a focus on trusts, estates, and investment opportunities. Our expertise spans trust and estate equalization loans under Proposition 19/58, reverse mortgage payoffs, fix-and-flip financing, 1031 exchange gap coverage, bridge loans, and second trust deeds. As direct lenders using our own capital, we prioritize swift approvals, competitive rates, and personalized service.Our teams deep industry experience and commitment to transparency ensure clients receive tailored financial solutions. We serve property owners, trustees, attorneys, and investors across California, emphasizing quick funding, flexible terms, and no prepayment penalties. Our reputation for reliability and client-centric service has made us a go-to resource for probate and trust-related financing.
Services
Trust Loans
Estate Financing
Reverse Mortgage Payoff
Fix-and-Flip Loans
1031 Exchange Loans
Bridge Loans
Second Trust Deeds
Probate Loans
Hard Money Loans
Commercial Loans
Details
- Year established: 2002
Highlights and features
- We offer over 20 years of experience in California real estate lending.
- Our team provides direct lender decisions with no third-party delays.
- We guarantee no prepayment penalties or minimum interest periods.
- Our flexible underwriting accommodates distressed properties and unique scenarios.
- We fund loans in as little as 710 days with competitive rates.
Associations and certifications
- NMLS No. 338682
What people say
Quick approval process
Helpful guidance through probate
Competitive rates
No prepayment penalties
Professional service
Services
Trust & Estate Loans
HCS Equity provides specialized loans for trusts and estates to facilitate asset equalization under Proposition 19/58. These loans enable trustees to distribute assets without property tax reassessment. Funds are secured against real estate and disbursed within 710 days, with competitive rates and no personal guarantees required.
Reverse Mortgage Payoff
We offer short-term loans to pay off reverse mortgages after a homeowners death. This allows heirs to retain property while securing long-term financing. Terms include interest-only payments, no prepayment penalties, and funding within weeks to meet lender deadlines.
Fix-and-Flip Loans
HCS Equity funds acquisition and renovation of distressed properties with as-is valuations. Loans support red-tagged, fire-damaged, or vacant properties, with cross-collateralization options and terms up to two years for flexible project timelines.
1031 Exchange Loans
Our loans bridge gaps in 1031 exchange transactions, enabling timely property purchases before selling relinquished assets. We fund reverse exchanges and forward transactions up to $4 million, with quick closings to meet IRS deadlines.
Bridge Loans
HCS Equity offers interim loans for residential and commercial property investments. These loans cover gaps between transactions, with flexible terms, no prepayment fees, and funding within 15 days to support urgent real estate opportunities.
People
Justin Aldi
Founder/CEO
Justin Aldi brings 20+ years of real estate investment experience, specializing in trust loans and probate financing. He oversees HCS Equitys strategic direction and client relationships.
Jordan Must
Co-Founder
Jordan Must co-founded HCS Equity with expertise in asset-based lending and distressed property acquisitions. He focuses on underwriting and loan structuring.
Ben Heilig
Managing Partner
Ben Heilig manages trust and estate loans, guiding clients through Proposition 19 compliance. His background includes construction and rehab project financing.
Questions
What types of properties qualify for HCS Equity loans?
We lend on residential, commercial, and distressed properties across California, including probate assets and 1031 exchange properties.
How quickly can I get funded?
Most loans close in 7–10 days, with reverse mortgage payoffs and 1031 exchanges funded within 15 days.
Are there prepayment penalties?
No. All loans have no prepayment penalties or minimum interest periods.
Do you require personal guarantees?
No personal guarantees are needed for trust or estate loans. Borrowers must demonstrate repayment capacity.
Can I use a loan for property rehab?
Fix-and-flip loans cover acquisition costs, with separate funding for rehab projects.
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