How We Work With Attorneys and Fiduciaries
Our role is straightforward. When your client needs to raise capital against California trust or probate real estate, we provide the loan. You continue to handle the legal work. We do not give legal advice, we do not interfere in the attorney-client relationship, and we do not try to become the client's primary advisor.
What we do is fund quickly, communicate clearly, and stay out of the way of the legal process. We have worked with enough California probate attorneys and licensed fiduciaries to understand how the work flows and what creates friction. Our job is to remove the financing bottleneck, not add to it.
We take referrals by phone or email. When you refer a client, we contact them directly, explain our process and terms, and keep you informed as the transaction moves forward. If the loan does not make sense for the client, we say so clearly and promptly rather than wasting anyone's time.
What We Provide
Client-ready explainer materials
One-page summaries of how trust loans, probate loans, and buyout loans work, written in plain language for clients who have never encountered specialty lending before.
Fast turnaround on term sheets
Most term sheets are issued within 24 to 48 hours of receiving a complete inquiry. We do not make attorneys or clients wait a week to find out if a loan is feasible.
Transparent fee schedules
We publish our rate range and origination costs. We do not have hidden fees or surprise charges. That makes it easier to explain the financing to clients and beneficiaries accurately.
Technical resources for professionals
Detailed guides on Probate Code 16061.7 notice requirements, fiduciary duty considerations when borrowing, and court confirmation rules, written for professional use.
Disclosure and Compliance
North Coast Financial, Inc. is licensed by the California Department of Real Estate (DRE Broker License #01870870) and registered with NMLS (ID 323044). We operate as a private money lender secured by California real estate.
We do not pay referral fees to attorneys or licensed professional fiduciaries. California State Bar rules and PFAC standards restrict certain compensation arrangements, and we do not ask professionals to enter into any arrangement that could create a conflict of interest with their clients. Our relationship with referring professionals is based on the quality of our service to their clients, not on financial incentives.
We provide written disclosure of all loan terms to borrowers before closing. Borrowers receive a complete loan document package for review before signing, and we encourage them to review documents with counsel.
We have been doing this since 1981
Over 40 years and more than $1 billion funded in California. Attorneys who have worked with us know what to expect: straight answers, fast funding, and no surprises at closing.
Contact Us
The best way to discuss a specific client situation is to call us directly. We have loan officers who focus on trust and probate lending and understand the legal context well enough to have a substantive conversation about a pending matter.
If you have a client who needs financing and you want to explore whether it makes sense before making a referral, we are happy to have that conversation off the record. Just call and describe the general situation. We will tell you quickly whether we can help.
Talk to our team today
We work directly with California attorneys and fiduciaries. Call to discuss a specific matter or a general referral arrangement.
Call 760-722-2991