How It Works
How your loan gets funded — in four steps.
You apply, we review the property, a private investor funds the loan, and you close. Hillcrest handles the underwriting, the paperwork, and the servicing from start to finish.
How It Works
You apply, we review the property, a private investor funds the loan, and you close. Hillcrest handles the underwriting, the paperwork, and the servicing from start to finish.
For Borrowers
Most loans close in one to two weeks. Here is exactly what happens along the way.
Day 1
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.
Day 1
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.
24–48 Hours
Hillcrest reviews the property, equity, title path, income profile, and best program fit.
Our underwriting team evaluates your deal within 48 hours. We assess the property value, your equity position, and structure the best program for your needs.
24–48 Hours
Hillcrest reviews the property, equity, title path, income profile, and best program fit.
Our underwriting team evaluates your deal within 48 hours. We assess the property value, your equity position, and structure the best program for your needs.
Days 3–7
You receive clear next steps, conditions, and a request list without bank-style runaround.
Once approved, we match your loan with a qualified investor from our network. The investor reviews the deal package and commits capital.
Days 3–7
You receive clear next steps, conditions, and a request list without bank-style runaround.
Once approved, we match your loan with a qualified investor from our network. The investor reviews the deal package and commits capital.
1–2 Weeks
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 with the county. Many deals close in under two weeks.
1–2 Weeks
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 with the county. Many deals close in under two weeks.
For Investors
Every loan is funded by a private investor and secured by a first-lien trust deed (a loan secured by a first mortgage on the property). Here are the seven steps that protect their capital.
Step 01
Hillcrest sources and vets borrower applications from across California.
Step 01
Hillcrest sources and vets borrower applications from across California.
Step 02
Each loan is reviewed with property, appraisal, title, borrower, and credit analysis.
Step 02
Each loan is reviewed with property, appraisal, title, borrower, and credit analysis.
Step 03
Qualified opportunities are presented to matched investors with transparent deal details.
Step 03
Qualified opportunities are presented to matched investors with transparent deal details.
Step 04
Investors review the package and commit capital to the trust deed investment.
Step 04
Investors review the package and commit capital to the trust deed investment.
Step 05
Legal documents are prepared, including LPDS, note, deed of trust, and servicing paperwork.
Step 05
Legal documents are prepared, including LPDS, note, deed of trust, and servicing paperwork.
Step 06
Capital is wired through escrow and the deed of trust is recorded with the county.
Step 06
Capital is wired through escrow and the deed of trust is recorded with the county.
Step 07
Hillcrest handles payments, statements, servicing, and borrower communication.
Step 07
Hillcrest handles payments, statements, servicing, and borrower communication.
Protection Layer
Borrowers close on clean title. Investors hold enforceable first-position liens. Both rely on the same three pillars.
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.
Third-party escrow, lender title insurance, and full hazard coverage on every transaction — no exceptions.
Hillcrest Lending · CA DRE #02114219 · NMLS #1964616. Regulated, audited, and accountable.
Borrower Path
Get funded in as little as 48 hours. Flexible programs for every borrower — from hard money to conventional.
Investor Path
Earn 10%+ annual returns backed by real estate. First-lien trust deeds with professional servicing.
© 2026 Hillcrest Lending. All rights reserved.
NMLS #1964616 | Licensed by the California Department of Real Estate, DRE #02114219
Loans are subject to credit approval. Terms and conditions apply. This website does not constitute a loan commitment or offer to lend.