What if probate isn't finished yet?

Title must be clear enough for our lending partners to secure the loan. If probate is ongoing, we need to understand the timeline and how title will transfer. Submit your deal and we can discuss whether we can work with your situation.

What are typical terms for inheritance or probate property loans?

Terms are similar to other hard money: typically 6–12 months, interest-only, rates around 10–14%, LTV usually 65–75%. The loan is short-term until you sell or refinance.

What if probate isn't finished yet?

Title must be clear enough for our lending partners to secure the loan. If probate is ongoing, we need to understand the timeline and how title will transfer. Submit your deal and we can discuss whether we can work with your situation.

What are typical terms for inheritance or probate property loans?

Terms are similar to other hard money: typically 6–12 months, interest-only, rates around 10–14%, LTV usually 65–75%. The loan is short-term until you sell or refinance.

Hard Money Loan Scenarios

Inheritance & Probate

Hard money financing for inherited and probate real estate. When heirs need to refinance, repair, or sell inherited property quickly. Fast funding in 7–10 business days. Non-owner occupied. Utah and nationwide.

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How Hard Money Fits This Situation

Inherited and probate properties often need quick refinancing, repairs before sale, or a bridge until the estate is settled. Banks can be slow and hesitant with estate-related title. Hard money loans can provide short-term financing secured by the property so heirs can move forward.

Our lending partners look at the property's value and your exit strategy—selling once probate is complete, or refinancing into a conventional loan. The property must be non-owner occupied (investment-purpose); we do not finance primary residences. When the numbers work and title/estate issues can be resolved, many of our investors will fund inheritance and probate scenarios.

Funding in 7–10 business days is typical for qualifying deals. Title and estate documentation are part of the review; we do not provide legal or probate advice.

Why Consider Hard Money

Fast closing so heirs can refinance, repair, or position property for sale
Asset-based underwriting: property value and exit strategy
Property must be non-owner occupied; no primary residence financing
Title and estate documentation reviewed as part of underwriting
Common exit: sale after probate or refinance into conventional loan

Investment properties only • Non-owner occupied • Business-purpose lending

Our lending partners fund investment real estate only. The property must be non-owner occupied (or you must be willing to move out / have a clear exit). We do not finance primary residences.

Frequently Asked Questions: Inheritance & Probate

Yes, when the property is or will be non-owner occupied (e.g., you'll sell it or use it as a rental) and the numbers work. The loan is secured by the property. We'll review title and estate documents; you may need an attorney for probate or estate matters.