Cash-Out & Refinance for California Homeowners | Hillcrest Lending

Equity Cash-Out Loans

Put your California property equity to work.

See what your existing equity may support through a property-secured cash-out or refinance loan. Residential and commercial properties considered.

Check My Equity

Up to 75% loan-to-value
Funding as fast as 48 hours
Residential and commercial
No prepayment penalty on most programs

Secure inquiry

See what your property may qualify for

Share the property location and value, current debt, requested amount, purpose, timing, and planned exit. Then provide your contact details so a Hillcrest loan executive can review the scenario.

Step 1 of 2 · Your property scenario

First nameLast name

EmailPhone

I am a...What would you like reviewed?

Property stateProperty city

Property typeEstimated property value

Current mortgage balanceAmount requested

Use of funds

Desired timingPlanned repayment / exit

This requests a human review of your scenario. It is not an application approval or a commitment to lend. Terms and timing depend on the property, program, documentation, and underwriting.

Message

$500M+

Funded since 2015

2,000+

Loans closed

48 hrs

Typical approval

95%

Repeat & referral clients

REAL RESULTS

Trusted by California borrowers and investors.

★★★★★

“Great experience with Hillcrest team refinancing my home. Great communication, very prompt and hassle free”

Gor Gevojanyan

Google review · 5 stars

★★★★★

“They were able to refinance my mortgage loan and get me the cash I needed with no hassle, which is very rare from my previous experiences.”

Vehicle Inspection Solutions

Google review · 5 stars

★★★★★

“Went to him for a home equity line of credit and I could not have asked for better service. The process was seamless and I was able to get funding very quickly.”

Karineh Herabedian

Google review · 5 stars

* Names abbreviated for privacy. Testimonials represent individual experiences and are not guarantees of future results.

After the numbers

Those are our numbers. What are yours?

Tell us the property and what you owe, and a loan executive will tell you what your equity supports.

Check My Equity 818-600-9619

NMLS #1964616

How It Works

From application to funded, in four steps.

Tell Us About the Property

A few details about the home and what you need. Takes about five minutes.

Get a Real Answer

An underwriter reviews it and comes back — often within 24 to 48 hours.

Appraisal & Docs

We order the appraisal and prepare your file while you keep living your life.

Funds Wired

Money is wired at closing through third-party escrow.

Protection Layer

The Same Infrastructure Protects Everyone.

Every Hillcrest loan is built on the same three pillars, whether you are the borrower or the capital behind it.

First-Lien Security

Every loan is secured by a recorded deed of trust with first-lien priority — 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.

CA DRE Licensed

Hillcrest Lending · CA DRE #02114219 · NMLS #1964616. Regulated, audited, and accountable.

Still deciding?

Every file is different. Yours takes five minutes to start.

No obligation, and nothing is pulled until you say so.

Start My Request 818-600-9619

NMLS #1964616

COMMON QUESTIONS

Questions, answered.

Up to 75% of the property value, depending on the property, its condition, and your overall file. Every file is evaluated individually and not all applicants will qualify.

Private money files can fund as fast as 48 hours once the appraisal and title work are in. Timelines vary by property and how quickly documents come back.

No. Private money lending is equity-based, so the property carries most of the weight. Credit is reviewed but it is not the sole deciding factor.

Yes. Hillcrest lends on both residential and commercial property in California.

Pricing depends on the property, the loan structure, and your file. A loan executive will walk you through the specific numbers for your situation before you commit to anything.

Still have questions?

Browse our full help center or talk to our team directly.

Check My Equity (818) 600-9619

Next Step

Not sure what your equity will support?

Talk to a loan executive who can look at your property and tell you straight.

Start My Request 818-600-9619

NMLS #1964616

Legal

Important Disclosures

Hillcrest Lending · CA DRE #02114219 · NMLS #1964616. Equal Housing Opportunity. All loans subject to underwriting approval, property evaluation, and credit review. Loan-to-value limits and funding timelines vary by property, program, and file completeness; not all applicants will qualify. This is not a commitment to lend.

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Check My Equity

NMLS #1964616

NMLS #1964616 | Licensed by the California Department of Real Estate, DRE #02114219