Vesting
Close in your LLC or trust
Take title the way your business and estate plans call for. We shop your loan with lenders that allow it.
What vesting means
Vesting is how you hold title to the property. Many investors want title in an LLC, and many families use a living trust.
Not every lender allows every vesting. We match you with lenders that do.
Who it fits
- Investors holding rentals in an LLC
- Families with a living trust
- Business owners buying through a corporation
- Owners moving a property into an entity
The steps
How it works with us
- Tell us how you want to hold titleLLC, corporation or trust.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Match the lenderWe find lenders whose vesting rules fit your plan.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
Get ready
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID for everyone on the loan
- LLC operating agreement or articles, or trust documents
- Income or rental documents
- Purchase contract or current mortgage statement
Questions
Good to know
Can I get a loan in my LLC?
Yes. Many investor and DSCR lenders lend directly to LLCs.
Can my living trust hold title?
Yes. Many lenders allow a revocable living trust.
Do I still sign personally?
Often a personal guarantee is part of the loan. We'll explain what each lender requires.
Should I talk to my attorney?
Yes. Your attorney or tax advisor can confirm the best vesting for you.