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Probate Solutions for Heirs · DC · MD · VA

Inherited Property & Probate Financing in DC, MD & VA Keep the equity.

RevitaLending is a direct probate bridge lender for heirs and executors in Washington DC, Maryland and Virginia. We help heirs pay off reverse mortgages, stop a tax sale on an inherited property, clear judgments and liens, and fund repairs, so the estate isn't forced into a fire sale. Or partner with us under our joint venture program and share the upside.

Tell us about the estate CALL (202) 595-5472Confidential Estate Consultations

24 hoursApproval

No minFICO

$75K–$2MLoan size

JVPartner option

What We Can Solve

Solutions for Reverse Mortgages, Tax Liens, and Probate Property Debt

The four problems that sink inherited properties each come with a deadline. We move fast enough to beat it.

Reverse mortgage payoffs

Keep the house or sell on your timeline

When the borrower passes away, a reverse mortgage becomes due and the servicer starts a clock on the heirs. We fund the payoff so you can keep the property, renovate it, or sell it for full value instead of rushing. Servicers typically expect heirs to respond within about 30 days of the due-and-payable notice, and the foreclosure clock keeps running while the estate is still being opened in a DC, Maryland or Virginia probate court.

Payoff funds go straight to the servicer
Buys time to renovate, rent or sell
Works with your probate attorney on timing

Delinquent tax liens

Stop a tax sale on an inherited property

Back taxes, penalties and interest pile up fast on an empty house. We pay off the delinquent taxes and tax liens before the property is sold out from under the estate. Maryland counties sell tax liens at annual tax sales, and the buyer can move to foreclose in as little as six months. In DC, a house that sits empty can be reclassified as vacant or blighted and taxed at many times the normal rate, and Virginia localities can petition the court to sell property once taxes go unpaid for about two years.

Clears delinquent taxes and penalties
Stops tax sale proceedings
Clean title for a sale or refinance

Judgments & liens

Clear the title

Judgments, contractor liens and other claims can block a sale or a refinance. We pay them off at closing so the title is clean and the estate can move forward. A judgment recorded in the county or city where the property sits attaches to the real estate, and title companies in DC, Maryland and Virginia will require it to be paid before they insure a sale. The same closing can fund a sibling buyout, so one heir keeps the house and the others get paid.

Judgments and lien payoffs at closing
Removes obstacles to sale or refinance
One loan instead of a stack of creditors

Repairs

An estate property rehab loan

Most inherited homes need work before they bring top dollar. Our estate property rehab loan funds the repairs so you sell for full value, or rent it out and refinance into a long-term DSCR loan later. Older rowhouses in DC and Baltimore and post-war homes across Prince George's, Montgomery and Northern Virginia often need roofs, systems and code work before a buyer's inspection will clear, and a property left vacant in DC must be registered with the city.

Rehab funds released on draws
Sell at full value after the work
Or hold it and refinance into DSCR

Or Partner With Us

Joint Venture Equity Partnerships for Inherited Real Estate

Don't want a loan? Partner with us under our joint venture program. We bring the capital, the crews and the project management. You bring the property. We split the net profit at sale, with no monthly payments.

Full rehab

We renovate the property top to bottom, market it and sell it at full value, then split the profit with the estate.

Condo conversions

A large rowhouse or small multifamily may be worth more as condos. We fund and manage the conversion and share the upside.

Land & lot development

Inherited land or an oversized lot? We help subdivide, entitle and develop it, from a single lot to a larger project.

See the joint venture program

How It Works

How Our Fast Probate Lending Process Works

From the first call to the payoff, most estates move in days, not months.

1DAY 0

Tell us about the estate

The property, who the heirs are, where probate stands and what's owed. One page, about three minutes, and every consultation is confidential.

2DAY 1

Payoffs and options

We review title and the payoffs and lay out your options in writing: loan, sibling buyout, joint venture, or a mix.

3DAY 2

Valuation and docs

In-house valuation or a commercial BPO. We coordinate with your probate attorney and title company.

4DAY 3+

Close and pay off

Payoffs go directly to the servicer, county and lienholders. The estate keeps the equity.

Who This Is For

Probate Financing for Heirs, Executors and Estate Attorneys in DC, MD & VA

We work with

Heirs who inherited a house, condo, multifamily or land
Executors and personal representatives
Estate and probate attorneys
Realtors handling estate sales
Heirs who need to buy out siblings on an inherited house

We’re lenders and partners, not attorneys

Probate rules differ in DC, Maryland and Virginia. Keep your probate attorney involved. We coordinate with them on who can sign and when, so the closing lines up with the estate.

Probate Questions

Probate & Inherited Property Financing FAQs

Can I get financing before probate is finished?

Usually the estate needs a personal representative with authority to sign. If probate is still open, tell us where it stands and we'll work with your attorney on timing. As a probate bridge lender, we can often line up the loan so it closes the day authority is granted.

How long do heirs have to pay off a reverse mortgage?

It depends on the loan and the servicer, but the window is short, often about six months with possible extensions. Call the servicer early, and call us early. The sooner we see the payoff letter, the more options you have.

What if the reverse mortgage balance is more than the house is worth?

For FHA-insured reverse mortgages (HECMs), heirs who want to keep the home generally pay the lesser of the loan balance or 95% of the appraised value. Confirm the figure with your servicer, and we can finance the payoff.

The county is about to sell the house for back taxes. Can you move fast enough?

We approve within 24 hours and clean files have closed in as little as three business days. Send us the tax sale date with your application so we can prioritize it. The fastest way to stop a tax sale on an inherited property is to pay the delinquent balance in full before the sale or the redemption deadline.

Not all the heirs agree. Can you still help?

Yes. A common solution is financing that lets one heir buy out siblings on an inherited house, so the heir who wants to keep it can pay the others their share. We can also lay out a joint venture option. Final decisions belong to the estate and its attorney.

Is this a probate real estate cash advance?

No. A probate real estate cash advance buys part of your inheritance at a discount. Our financing is a loan secured by the property, so the estate keeps the equity and repays us when the property is sold or refinanced.

Do I need good credit?

There's no minimum FICO on our hard money programs. We look at the property, the equity and the plan.

Tell us about the estate.

Confidential estate consultations. We'll review the payoffs and call you, usually the same day.

Start the inherited property application (202) 595-5472