Probate moves slowly—even in a busy county seat
Estates filed at the San Bernardino Justice Center pass through the Superior Court’s Probate Division, which also serves the Fontana and Victorville districts. Judges must approve petitions, inventories, creditor notices, and final accountings; each review adds calendar time. Even an uncontested case can linger nine to eighteen months, and any question from the probate examiner can push a hearing several weeks. All the while, heirs juggle mortgages, tuition bills, and day-to-day costs with no access to estate funds.
Turning tomorrow’s distribution into today’s liquidity
Inheritance funding solves that mismatch. Instead of lending, Rockpoint purchases an agreed portion of your future share for one clearly stated fee. Funds usually arrive within forty-eight hours of signing, and repayment occurs once—directly from the estate when the court releases money. Because approval rests on probate documents, not credit scores or pay stubs, the process stays quick and kindness-free toward your credit report. If the estate closes for less than expected, personal liability ends with the available proceeds.
Why timing matters for local property taxes
San Bernardino County mail-outs arrive each October, and the Treasurer-Tax Collector warns that first installments become delinquent after December 10; second installments turn late after April 10. Each missed date adds a ten-percent penalty and daily interest until paid. The city layers Community Facilities District levies and other special assessments onto the same bill. Falling behind not only erodes the estate’s value but can cloud title when heirs eventually try to sell a house. Cash from an advance keeps those obligations current and shields equity from avoidable fees.
How a funding advance differs from a traditional loan
A bank focuses on FICO, debt-to-income, and collateral, then demands monthly payments right away. An inheritance advance:
- uses court-filed inventories—not credit—to gauge value,
- carries one flat fee that never compounds, and
- waits for probate to finish before a single repayment is made.
No instalment schedule means you can still qualify for a mortgage or car note while probate winds through court.
Who generally qualifies in San Bernardino
Most applicants succeed when they are named heirs or personal representatives in an open county probate, expect at least $15 000 after debts and taxes, and can provide stamped filings—such as the Petition for Probate or the latest Inventory & Appraisal—showing their projected share. Even estates facing litigation or tax liens may be fundable after additional review, because the estate—not personal credit—secures the transaction.
From first call to funded account
A brief phone or online inquiry starts the clock. After you supply the decedent’s name, case number, and estimated inheritance, Rockpoint confirms figures through the court docket or your attorney, then emails a plain-language offer. Once signed, an assignment of interest is filed so repayment routes automatically from the estate, and money lands in your bank—often within two business days. The advance rests quietly until the judge signs the distribution order.
Putting an advance to practical use
Heirs in the Inland Empire most often use funding to pay looming property-tax deadlines, renew homeowners insurance on a vacant family home, or handle roof and plumbing fixes that preserve sale value during hot summers and cool desert nights. Others consolidate high-interest credit cards or bridge lost income after a breadwinner’s passing. A timely infusion today prevents small issues from snowballing into costly setbacks that shrink everyone’s final share.
Staying organized while probate grinds on
Bookmark the Probate Division’s online notes so you can address examiner questions before they delay hearings. Check the Treasurer-Tax Collector’s site for real-time balances and e-payment options that timestamp your tax record the moment a bill is paid. Finally, review the City’s assessment-district information to ensure no surprise fees pop up at escrow. A quick monthly scan of these pages saves time, stress, and often hundreds of dollars.
FAQ
How long does probate usually take in San Bernardino County?
Most estates close within nine to eighteen months, but real-estate sales, creditor disputes, or missing appraisals can stretch proceedings past two years.
Will an inheritance advance hurt my credit?
No. Rockpoint pulls no hard inquiry, and the transaction never appears on consumer credit files because repayment comes solely from estate proceeds.
Can several heirs seek advances on the same estate?
Yes. Each beneficiary may assign part of their individual share; one heir’s decision neither obligates nor limits another.
Probate courts are methodical by design, yet life’s expenses keep arriving. If you need cash before the judge releases funds, request a no-obligation quote today and see how swiftly Rockpoint can turn a portion of tomorrow’s inheritance into money you can use right now.
