Probate & Inherited Home Loans · South Florida

Keep the family home in the family.

Losing someone is hard enough. Then comes the house — a mortgage nobody planned to carry, siblings with different needs, an estate that takes months to settle. I structure equity-based probate and estate loans that buy out co-heirs, clear arrears, and hold the property while the legal side resolves — working alongside your probate attorney, in English or Spanish.

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  • NMLS #1615071
  • Licensed in Florida
  • Works with your probate attorney
  • English / Español

Plain English

What is a probate loan?

A probate loan (also called an estate or inheritance loan) is short-term financing secured by the equity in an estate property. Because it qualifies on the property's equity rather than the heir's income or credit, it can fund while probate is still open — paying off arrears, covering estate expenses, or cashing out co-heirs so one heir can keep the home. When probate closes and title transfers, the heir refinances into a conventional mortgage. It's the difference between keeping a family home and being forced into a rushed sale to split proceeds.

Heir & sibling buyouts

One heir wants to keep the house; the others want their share in cash. A buyout loan borrows against the home's equity to pay them out — usually faster and better for everyone than selling and splitting a discounted price.

Inherited home with arrears

A lender can foreclose during probate — the payments don't pause because the owner passed. Equity-based financing clears the arrears and stops the pressure while the estate settles.

Estate expenses & carrying costs

Property taxes, insurance, HOA dues, attorney fees, repairs — estates carry real costs for months. A bridge against the property's equity covers them without forcing an early sale.

Out-of-state heirs

Inherited a Miami property but live elsewhere? I handle the financing side remotely — coordinating with the personal representative, the attorney, and local title, in English or Spanish.

Avoiding partition sales

When heirs deadlock, courts can order the property sold. A financed buyout resolves the deadlock privately — one heir keeps the home, the others get paid, no courtroom auction.

The exit: back to conventional

Like all bridge financing, a probate loan is a tool, not a destination. Once title is in your name and the dust settles, we refinance into a conventional mortgage at a better rate. Terms run up to 36 months in most cases with no pre-payment penalty — exit the moment you're ready. I stay through the whole arc.

Clients Who Closed

Calm hands for stressful moments

Verified Google reviews from real clients.

M
Marilyn Google Review · Homebuyer

Reinier is extremely knowledgeable, responsive, and professional. He took the time to explain each step of the process clearly and stayed proactive throughout, which made everything feel smooth and stress-free. His attention to detail and communication truly set him apart.

S
Stella G. Google Review · Homebuyer

Excellent service from Reinier and his team. It was a smooth process from start to finish. Reinier definitely looked out for our best interest and gave us the best possible deal. Very trustworthy and an excellent communicator.

★★★★★ Rated 5.0 on Google

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Honest answers

Probate financing questions, answered

Can I get a loan on an inherited house still in probate?

Often, yes. Probate loans are secured by the property's equity, so they can fund while the estate is still open — clearing arrears, covering estate expenses, or financing an heir buyout. Everything is coordinated with the estate's personal representative and your probate attorney.

How do I buy out my siblings on an inherited house?

An heir buyout loan borrows against the home's equity to pay the other heirs their share — one heir keeps the property, the others get cash. Once probate closes and title is in your name, we refinance into a conventional mortgage. Usually faster and keeps more family value than selling and splitting proceeds.

The inherited home has a mortgage nobody's paying. What happens?

The lender can foreclose even during probate — payments don't pause because the owner passed. An equity-based bridge loan clears the arrears and stops the pressure while the estate settles. The earlier you act, the more equity survives.

Do I need good credit or income to qualify?

These programs are equity-based: qualification rests primarily on the property's equity rather than the heir's credit or income. Heirs rarely plan for this — the loan meets the situation where it is.

Do you work with probate attorneys?

Yes — coordination with the probate attorney or personal representative is part of every estate loan I structure. Attorneys: if your client needs financing to keep an estate property, I'm happy to be a resource for your practice. This is financing, not legal advice.

¿Hablas español?

Sí. Todo el proceso — la consulta, los documentos, la coordinación con el abogado de sucesiones y el cierre — puede hacerse completamente en español.

Talk it through

One conversation brings clarity.

Estates are stressful and every family is different. Call, text, or WhatsApp — I'll tell you honestly whether financing helps your situation, and what the numbers look like. Free, confidential, no obligation.

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