Know your real deadline before you call a lender.
Plain, sourced guides for California probate, trust, foreclosure and bridge situations, written for the people who have to act on them: attorneys, fiduciaries, investors and agents.
Check how time-critical your deal is (6 questions) →Who this is for
- Probate attorneys and fiduciaries whose estate needs cash before a property can sell
- Investors holding a Notice of Default or Notice of Trustee's Sale on a non-owner-occupied property
- Agents whose buyer's financing fell through with a closing date set
- Heirs and successor trustees deciding whether to sell, hold or buy out
How it works
1
Find the real deadline
Take the 6-question check or read the timeline guides. Each one cites the statute that sets the date.
2
Gather what decides the file
Each guide ends with the documents and numbers a lender actually asks for, so you don't lose days.
3
Send it to CDF if a loan fits
When a business-purpose loan is the right tool, send Capital Direct Funding the address, the deadline and the exit plan.
Deadline situations
Topic: Deadline situationsForeclosure notices, trustee's sale dates and payoff deadlines: what the statute actually requires and how much time is really left.
California foreclosure timeline: what each notice means if you need to refinance or sell
Notice of Default, Notice of Trustee's Sale and the reinstatement deadline: a plain guide to California's nonjudicial foreclosure timeline.
Notice of Trustee's Sale received: what can still close in 20 days
A Notice of Trustee's Sale sets a date at least 20 days out. Here is what has to happen, in order, for a sale or refinance to beat it.
Reinstatement vs. payoff in a California foreclosure
Reinstating cures the default and keeps the loan; paying off ends it. How each figure is calculated, when each is available, and how to request them.
Estates, trusts & heirs
Topic: Estates, trusts & heirsProbate, successor trustees and heir buyouts: who has authority to sign, and what a lender needs to see before money moves.
Selling or holding a California probate property when the estate needs cash first
How IAEA authority, court confirmation and estate cash needs shape the financing options for a California probate property.
Buying out a sibling's share of an inherited California property
One heir wants to keep the house, another wants cash. How a buyout is sized, who signs, and when a loan is business-purpose or consumer.
Borrowing as a successor trustee: documents and authority
A successor trustee can often sell or borrow without probate. What the trust must allow, and the documents title and lenders ask for.
Deal structure
Topic: Deal structureLeverage, exits and the questions a private lender asks before money moves.
Bridge loan exit strategy: the first question a private lender asks
Why the exit (sale, refinance or DSCR takeout) matters more than the entry on a short-term bridge loan, and how to document it.
LTV vs. LTC on a fix-and-flip: a worked example
Loan-to-value, loan-to-cost and after-repair value explained with one hypothetical flip, so you can see which number limits your loan.
Who's behind this
- Published by Capital Direct Funding, CA DRE #01885595, NMLS #1159831, 100 N Citrus St, Suite 530, West Covina, CA 91791.
- Written and reviewed by Francisco Williams, CCIM, CalDRE #01979442, NMLS #1858674.
- Every legal statement links to the statute on leginfo.legislature.ca.gov. Examples are marked illustrative.
- No rates, terms, approval odds or closing-time promises are published here.
Capital Direct Funding: NMLS #1159831 · Capital Direct Funding: CA DRE #01885595 · Francisco Williams: NMLS #1858674 · Francisco Williams: CalDRE #01979442
Frequently asked questions
Is Critical Desk a lender?
No. It's an educational publication by Capital Direct Funding. Loans are only discussed on CDF's own site, after a review of the property and the plan.
Does CDF make loans on owner-occupied homes?
CDF lends on business-purpose files only. Owner-occupied consumer loans follow different rules and need a licensed residential lender.
How fast can a loan close?
We don't publish closing times. Timing depends on title, valuation and the documents; the guides show what speeds a file up.
Who reviews the guides?
Francisco Williams, CCIM, reviews every guide before publication. Sources are listed at the end of each one.