How It Works
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
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
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.
Property 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.
Property 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
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.
Conditions & 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.
Closing requirements
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.
Closing requirements
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
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
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
Share your property scenario to review available programs, required documents, and a realistic timeline.
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.