Trust & Estate Loans for Property Tax SavingsProperty RepairsProbate or Attorney ExpensesEqualizing a Distribution
Keep a parents low property tax base on an inherited home.
Empowering Attorneys and their clients
We offer a wide variety of Trust and Estate Loan Products
Unlike other lenders, CLOANC specializes in Trust and Estate Loans and are experts in the California Proposition 19 Property Tax Transfer process. In fact, we have partnered with the California Assessors Office of Alameda and offer free Continuing Legal Education for both Attorneys and Fiduciaries. If you are interested in signing up for our free online Proposition 19 Continuing Legal Education class, please contact us at (877) 464-1066.
Experience
We are California’s #1 Trust and Estate Lender. Call us and learn why more Clients and Attorneys choose us for their Trust and Estate Loan needs. At CLOANC excellent customer service is more than a goal; it is a commitment. Please take a look at what some of our clients and the Attorneys we work with have to say about us.
Why Choose CLOANC
Probate Loans & Loans to Irrevocable Trusts
CLOANC is the top provider of probate loans and loans to irrevocable trusts in California. Here is what our clients have to say about working with us.
Trust Loan Benefits
Keep a parents low Property Tax BaseSave on average over $6,200 per yearYou may be able to transfer the benefit to a new homeAvoid costly realtor feesKeep a family home
Call For Expert’s Advice
Expert advice and a free benefit analysis
Trust Loans from a trusted source.
Our trust and estate loan experts can help you navigate all of your options so that you can make the best decision for you and your family. We will provide you with a free benefit analysis and let you know how much you may be able to save with one of our specialized trust & estate loans.
Client Reviews & Testimonials
California’s premier Trust & Estate Lender
Rating: 5 / 5 (40 total reviews)
I worked directly with Dominic and Autumn. They were awesome to work with! Not only were they knowledgeable and efficient, answering questions and giving information in a quick manner, but they were both pleasant to work with, personally. Thanks so much to you two for making this difficult time in my family, a little easier to manage. I would absolutely recommend CLOANC, for both their expertise as well as their personal touch throughout the process. They were able to get us funded in a very short time frame. Thanks again!
Wendy P.
La Habra Heights, CA
Thaddeus and Autumn were great! I am the trustee of my deceased mother’s trust and Thaddeus navigated taking out a loan on her home for the trust such that one of my siblings could directly inherit the home with its very low property tax assessment. It was complicated but totally worth it in the long run! We used the loan proceeds for the trust to distribute equivalent value to the other beneficiaries and have one beneficiary inherit the home outright. It was great and Thaddeus explained things very clearly to me and answered all of our questions. Highly recommend! Thaddeus and Autumn were great! I am the trustee of my deceased mother’s trust and Thaddeus navigated taking out a loan on her home for the trust such that one of my siblings could directly inherit the home with its very low property tax assessment. It was complicated but totally worth it in the long run! We used the loan proceeds for the trust to distribute equivalent value to the other beneficiaries and have one beneficiary inherit the home outright. It was great and Thaddeus explained things very clearly to me and answered all of our questions. Highly recommend!
John M.
Oxnard, CA
Thaddeus possesses qualities that seem to be in short supply these days. Anyone that has the good fortune to encounter and work with him will find his ethics and knowledge to be a great benefit. I am grateful for what he has done for me and my family.
Matt O.
Copperopolis, CA
I referred a Trust Administration client to CLOANC, and the staff here did a great job providing my client with a loan product that fit her needs. In California, there is a real need for this type of product, and I am happy I’ve found a company I feel comfortable with so that I can help my clients even more. Thanks so much Cory and Thad!
Heather S.
Palm Springs, CA
Thaddeus and Autumn were great! I am the trustee of my deceased mother’s trust and Thaddeus navigated taking out a loan on her home for the trust such that one of my siblings could directly inherit the home with its very low property tax assessment. It was complicated but totally worth it in the long run! We used the loan proceeds for the trust to distribute equivalent value to the other beneficiaries and have one beneficiary inherit the home outright. It was great and Thaddeus explained things very clearly to me and answered all of our questions. Highly recommend! Thaddeus and Autumn were great! I am the trustee of my deceased mother’s trust and Thaddeus navigated taking out a loan on her home for the trust such that one of my siblings could directly inherit the home with its very low property tax assessment. It was complicated but totally worth it in the long run! We used the loan proceeds for the trust to distribute equivalent value to the other beneficiaries and have one beneficiary inherit the home outright. It was great and Thaddeus explained things very clearly to me and answered all of our questions. Highly recommend!
Pamela M.
Orange, CA
Inherited a Home in California? Explore Proposition 19 Property Tax Savings
Inheriting a family home can create significant financial decisions, particularly when multiple beneficiaries are involved.
California Proposition 19 allows qualifying parent-to-child transfers of a family home to receive a property tax reassessment exclusion, subject to specific eligibility requirements, property value limitations, residency requirements, and filing deadlines.
CLOANC provides specialized trust and estate financing that may help families fund beneficiary distributions and sibling buyouts while working with their legal and tax advisors to structure an appropriate inherited-property transaction.
Find out whether a trust or estate loan could help you retain an inherited home and potentially reduce future property taxes. Call (877) 464-1066 for a free benefit analysis.
Specialized California Lending for Trusts, Estates and Inherited Property
CLOANC is a California trust and estate lender specializing in real estate-secured financing for family trusts, irrevocable trusts, probate estates, and inherited properties.
Since 2007, CLOANC, a DBA of Commercial Loan Corporation, has helped California families, trustees, executors, and beneficiaries explore financing solutions for complex trust and estate transactions.
Whether you need to access equity in trust-owned real estate, provide liquidity for an estate, buy out other beneficiaries, or evaluate financing related to an inherited family home, our lending specialists can help you understand your options.
Call (877) 464-1066 for a FREE Trust and Estate Loan Benefit Analysis.
Request a Free Loan Consultation
Our California Trust & Estate Loan Solutions
California Trust Loans
A trust loan allows a qualifying trust to borrow against real estate it owns, subject to trustee authority, applicable law, and underwriting.
Trust financing may provide funds for authorized beneficiary distributions, property-related expenses, existing obligations, and other permitted purposes.
CLOANC works with trustees, beneficiaries, and their professional advisors to evaluate qualifying trust loan transactions.
Explore California Trust Loans
Probate Loans & Estate Loans
Probate estates sometimes own valuable real estate but have limited cash available for expenses, obligations, or authorized distributions.
A probate loan may provide financing secured by qualifying estate-owned property, subject to the personal representative’s authority and applicable legal requirements.
CLOANC specializes in helping estate representatives and their advisors evaluate California probate and estate financing options.
Learn About Probate and Estate Loans
Irrevocable Trust Loans
Irrevocable trusts may have specialized financing needs and documentation requirements.
CLOANC evaluates real estate-secured lending opportunities involving qualifying irrevocable trusts, including transactions requiring review of trust provisions and trustee authority.
Explore Irrevocable Trust Loans
Sibling Buyout Loans
When multiple siblings inherit a family home, one beneficiary may want to keep the property while others prefer cash.
A properly structured loan may provide funds for authorized distributions or a sibling buyout, depending on the trust or estate’s circumstances.
CLOANC helps families explore financing options involving inherited homes and multiple beneficiaries.
Learn About Sibling Buyout Loans
Inherited a California Home? Understand Proposition 19
California Proposition 19 changed the property tax reassessment rules for certain transfers of real estate between parents and children.
Qualifying transfers of a family home may be eligible for an exclusion from property tax reassessment, subject to principal-residence requirements, value limitations, and filing deadlines.
When inherited property is owned by a trust or estate, financing may help address authorized distributions or other financial needs.
However, obtaining a loan does not automatically qualify a property transfer for a Proposition 19 exclusion.
CLOANC helps families explore inherited-property financing while encouraging consultation with qualified legal and property tax professionals.
Learn How to Avoid Property Tax Reassessment
Why Choose CLOANC for Trust & Estate Financing?
Specialized California Lending Experience
Established in 2007, CLOANC focuses on financing involving trusts, probate estates, and inherited real estate.
Solutions for Complex Ownership Situations
Trust and estate transactions often involve multiple beneficiaries, specialized legal documentation, and important property-related decisions.
Our lending team evaluates qualifying transactions based on their individual circumstances.
Collaboration With Professional Advisors
CLOANC works with attorneys, fiduciaries, mortgage brokers, trustees, and estate representatives to coordinate financing documentation and requirements.
Personalized Loan Assistance
Our lending specialists help borrowers understand the financing process, required documentation, and potential next steps.
How the Trust & Estate Loan Process Works
Step 1: Discuss Your Financing Needs
Contact CLOANC to explain the property, ownership structure, and purpose of the requested loan.
Step 2: Review the Trust or Estate Documentation
Our lending specialists identify information needed to evaluate the property and the authority to borrow.
Step 3: Evaluate Financing Options
Available financing depends on property equity, legal authority, underwriting, and transaction requirements.
Step 4: Complete the Approved Transaction
If approved and all requirements are satisfied, the loan can proceed toward closing and authorized disbursement.
Frequently Asked Questions About California Trust & Estate Loans
Can a family trust borrow money against real estate?
Potentially. A qualifying trust may obtain a real estate-secured loan when its governing documents and applicable law authorize the transaction and lending requirements are satisfied.
Can an irrevocable trust obtain a mortgage?
Some irrevocable trusts may qualify for real estate-secured financing. Trustee authority, trust provisions, property equity, and underwriting are important considerations.
What is a probate loan?
A probate loan is financing associated with a qualifying probate estate, potentially secured by estate-owned real estate. It may help address authorized estate financial needs.
Can I get a loan to buy out my siblings from an inherited house?
Depending on the ownership structure and legal requirements, financing may help facilitate an authorized sibling buyout or beneficiary distribution.
Can I avoid property tax reassessment on an inherited home?
Certain qualifying parent-to-child transfers may be eligible for an exclusion under California Proposition 19. Eligibility depends on property use, value limitations, filing requirements, and other circumstances.
Does CLOANC provide financing throughout California?
CLOANC focuses on California real estate financing involving qualifying trusts, probate estates, and inherited properties.
Request Your Free Trust & Estate Loan Benefit Analysis
If you are administering a family trust, managing a probate estate, or exploring financing for inherited real estate, CLOANC can help you evaluate potential lending options.
Call (877) 464-1066 or request your free consultation online.
All financing is subject to applicable legal authority, underwriting, and approval. CLOANC does not provide legal or tax advice. Proposition 19 exclusions are subject to eligibility and filing requirements.
