Cash-Out & Refinance

Pull equity out of your home without the bank runaround.

Private money refinancing for California homeowners who need to access equity or restructure an existing loan. You talk to the people who actually make the decision.

See What You Qualify For

Up to 75% loan-to-value

Funding as fast as 48 hours

Residential and commercial

Secure inquiry

See what your equity can do

Share a few details and a Hillcrest loan executive will follow up. No obligation.

Secure form: lead-intake

$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.

How It Works

From application to funded, in four steps.

01

Tell Us About the Property

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

02

Get a Real Answer

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

03

Appraisal & Docs

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

04

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.

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.

Get My Options (818) 650-4891

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 818-650-4891

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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NMLS #1964616

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