Evidence of Success · Trust & Entity Vesting

Closed in the Trust. Estate Plan Intact.

Revocable living trust vesting · Lender pre-approval · $2.1M California residence

Robert Boladian, CMPS® CLA® · Mission Pacific Mortgage · For advisor use · Confidential

Client Situation

A client with a $4.2M managed portfolio and a fully drafted revocable living trust was purchasing a $2.1M primary residence.

His estate attorney had structured the trust to hold all real property for probate avoidance and asset protection.

Three lenders told him the property would need to come out of the trust for financing, which would have defeated the estate plan entirely.

His financial advisor and estate attorney both referred him after the third decline.

$2.1M Purchase Price Closed in revocable living trust

Zero Estate Plan Disruption Trust held title from day one

3 Prior Lender Declines All cited trust vesting as the barrier

How It Worked

The Problem

Three lenders required the property to come out of the trust as a condition of financing.
Removing title from the trust would have triggered an estate plan restructure.
The estate attorney and financial advisor were aligned on the trust structure, with no flexibility.
The client was on a 30-day purchase contract timeline with no clear path forward.

The Structure

Robert identified a lender with an established trust vesting approval process.
Trust review and lender approval were completed before the purchase contract was signed.
The property was vested directly to the revocable living trust at closing.
No title transfer, trust disruption, or estate plan revision was required.

The Result

The $2.1M property closed with title vested to the trust from day one.
The estate plan remained 100% intact, with no restructure or attorney fees.
The client avoided the risk of holding title personally, even temporarily.
The estate attorney now refers clients with real property purchases to Robert.

What This Means for the Advisor

→ The advisor's client got the mortgage without dismantling the estate plan. Three lenders said that wasn't possible.

→ The estate attorney became a referral partner. One solved case study opened a second professional referral channel.

→ The financial advisor was positioned as the advisor who built the team that actually solved the problem, not just managed the portfolio.

"Every lender told us the trust had to come out. Robert was the first person who said 'let me find a lender who knows how to do this' and then actually did it. Our estate attorney said she's never seen it handled that cleanly."

Client · Business Owner, Early 70s · San Diego · Revocable Living Trust

Have a client trying to hold property in a trust or LLC? Get lender approval first.

Trust and entity vesting must be confirmed before the purchase contract is signed. Bring the scenario.

Robert Boladian, CMPS®, CLA®

NMLS #14241

(760) 828-7444

[email protected]

BOOK A PARTNER CALL

Mission Pacific Mortgage · EAB Holdings, Inc. NMLS #1786785 · DFPI Licensed · San Diego, CA

Outcomes anonymized · Results may vary. This is not legal or estate planning advice. Trust and entity vesting acceptance varies by lender, by trust instrument, and by state; approval is not guaranteed and must be confirmed for each transaction. Figures reflect the facts of a single transaction. Clients should consult their own estate attorney regarding title and vesting decisions.