Unlock Your Equity Without Selling Your Property
Get $100K–$500K in 7–10 days. Direct lender. No committee. No surprises.
Capital Without the Bank Friction
Keep Your Low Rate
Your 3% first mortgage stays untouched. A 2nd trust deed lets you access equity without refinancing into today's higher rates.
No Appraisal Required
We underwrite using local comps, public records, and market data. No $500 appraisal fee. No 3-week wait for a report.
One Decision-Maker
Erik Egelko reviews every file and makes every lending decision. No committee. No loan officer relay. Call and talk to the person who writes the check.
Fast Funding
Most loans close in 7–10 business days. From initial call to paper check at closing — that's the timeline.
Equity-Based Underwriting
We focus on your property's value and equity position. Self-employed, variable income, credit challenges — we work with real situations.
No Prepayment Penalty
Pay off the loan early whenever you want. No penalty. If rates drop or your situation changes, refinance with zero friction.
Four Steps From Call to Funding
Initial Call
Discuss your property, equity position, and capital needs. No pressure. No credit check to start.
~ 1 day
Underwriting
Provide mortgage statement, tax bill, income docs. We underwrite on equity — no appraisal required.
~ 1–3 days
Docs & Closing
We prepare the note and deed of trust, walk you through every page, and close at the location of your choice.
~ 3–5 days
Funding
Wire or paper check the same day. Money goes directly to you or your designated account.
~ 1 day
When a 2nd Trust Deed Makes Sense
Protect a Low Rate
Locked in at 3.5% in 2020? Keep it. Borrow against equity without touching your first mortgage.
Fund an ADU or Renovation
San Diego's ADU boom needs fast capital. Get funded in days, not months, and start construction now.
Seize an Investment
Off-market deal with a 2-week deadline? Private lending closes when banks can't.
Bridge While Selling
Buy your next home before your current one sells. Pay off the 2nd TD when the sale closes — no penalty.
Business Capital
Self-employed? Banks want 2 years of returns and a committee vote. We want to see your equity.
Estate & Probate
Inherited property needs liquidity fast? Access cash without selling an income-producing asset.