How It Works
How your loan gets funded — in four steps.
You apply, we review the property and program fit, the funding path is confirmed, and you close once conditions are met. Hillcrest coordinates underwriting, documentation, and servicing.
For Borrowers
Four Steps From First Call to Wired Funds
Review and funding timing depend on the property, valuation, title, required documents, and underwriting. The team will discuss a realistic timeline after reviewing the scenario.
Day 1
Apply
Submit your property, requested loan amount, timeline, and contact details online or by phone.
Submit a quick application online or call us directly. Tell us about your property, loan amount, and timeline. No upfront fees and no obligation.
01
01
Day 1
Apply
Submit your property, requested loan amount, timeline, and contact details online or by phone.
Submit a quick application online or call us directly. Tell us about your property, loan amount, and timeline. No upfront fees and no obligation.
02
Property review
Review
Hillcrest reviews the property, equity, title path, income profile, and best program fit.
Our underwriting team assesses the property, equity position, and program requirements. Review timing depends on the scenario and file completeness.
02
Property review
Review
Hillcrest reviews the property, equity, title path, income profile, and best program fit.
Our underwriting team assesses the property, equity position, and program requirements. Review timing depends on the scenario and file completeness.
Conditions & structure
Structure
You receive clear next steps, conditions, and a request list without bank-style runaround.
Once the scenario is approved, the team confirms the loan structure, funding path, and conditions for the proposed transaction.
03
03
Conditions & structure
Structure
You receive clear next steps, conditions, and a request list without bank-style runaround.
Once the scenario is approved, the team confirms the loan structure, funding path, and conditions for the proposed transaction.
04
Closing requirements
Fund
Documents are prepared, closing is coordinated, and funds are wired when final conditions are met.
Documents are prepared, funds are wired, and the deed of trust is recorded once approval and closing conditions are satisfied.
04
Closing requirements
Fund
Documents are prepared, closing is coordinated, and funds are wired when final conditions are met.
Documents are prepared, funds are wired, and the deed of trust is recorded once approval and closing conditions are satisfied.
For Investors
Where the Money Comes From
For private-investor-funded trust deed opportunities, the process below describes how an offering is reviewed and documented. The structure and security depend on the particular transaction.
Step 01
Source
Hillcrest sources and vets borrower applications from across California.
01
01
Step 01
Source
Hillcrest sources and vets borrower applications from across California.
02
Protection Layer
The Same Infrastructure Protects Everyone.
Borrowers close on clean title. Investors hold enforceable first-position liens. Both rely on the same three pillars.
First-Lien Security
Every loan is secured by a recorded deed of trust with first-lien priority — meaning the lender is first in line to be repaid from the property.
Title & Escrow
Third-party escrow, lender title insurance, and full hazard coverage on every transaction — no exceptions.
Borrower Path
Need Financing?
Share your property scenario to review available programs, required documents, and a realistic timeline.
Investor Path
Want to Invest?
Earn 10%+ annual returns backed by real estate. First-lien trust deeds with professional servicing.