WGB Loans

Trust Deed Investor Information

We provide our Investors Trust Deeds that are secure and pay a high rate of return. Our Trust Deed Investors are currently earning 6% to 13% annually. We are happy to have the opportunity to bring the world of trust deed investing to you. Many Investors have found that investing in trust deeds provides them dependable monthly income, secures their investments and gives them peace of mind.

Now is a good time to invest in trust deeds since the big banks and large institutional lenders are not making loans to many good quality borrowers. This has opened up a big opportunity where quality borrowers who have good credit and income are in the market to finance with private money. This current situation has led to a better quality of borrowers available to our investors. This leads to lower risk while providing a higher rate of return when compared to other investment opportunities.

We arrange trust deed investment for private individuals, family trusts, pension plans, self-directed IRA’s and to corporations. While all investments do involve some level of risk, trust deed investments have a long history of providing investors great returns with a low level of acceptable risk. Equity is king and Loan to Value (LTV) establishes the equity protection. We are very conservative in our loan underwriting and approval process and typically won’t arrange any loan that exceeds 70% LTV of the property’s market value. In some rare circumstances we will look at a transaction that is 75% LTV but there must be many mitigating circumstances that provide an acceptable level of risk to our investors.

Trust Deed investments can be structured as either:

  • First Trust Deeds; recorded in first position and is only subject to County Property Taxes in order of priority.
  • Second Trust Deeds; recorded in second position and is subject to property taxes in addition to being subordinate to the first trust deed in order of priority.

Our investment terms can range from less than 1 year to 10 years or more.

The form of monthly payment our investors receive can be structured as follows:

Interest only: This investment option is where our investor receives a monthly interest only payment. This form of trust deed investment will have a balloon payment of the original principal balance due to the investor at the completion of the loan term.

Partially amortized: This investment option is where our investor receives a monthly payment that contains both principal and interest. This payment option allows for a partial reduction in the outstanding principal balance which leads to a reduced balloon payment at the completion of the loan term.

Fully Amortized: This is where a fixed monthly payment is paid to our investor that contains both interest and principal that pays down the outstanding principal balance so at the end of the investment term our investor is paid back in full. All loans are originated by an experienced and licensed mortgage loan originator that possess an active Real Estate Brokers License issued by the California Department of Real Estate (DRE) and possess a license issued with the National Mortgage Licensing System (NMLS).


Our management team oversees all aspects of the origination and investment process. Every investor that invest through our company is entitled to the following:

  • Conservative Underwriting policies
  • Extensive Due Diligence
  • All Loan Terms fully disclosed to the Borrower
  • Deed of Trust recorded against the subject property
  • Promissory note signed by the borrower
  • Professionally prepared appraisal
  • Title Insurance insuring all trust deed investments
  • Monthly Loan Servicing
  • Interest Rates ranging from 6% to 13%

Loan Amounts range from $25,000 to over two million dollars. We can structure a single investor, or a multi-lender loan known as a fractionalized mortgage transaction.

If you are a seasoned trust deed investor or looking to make your first trust deed investment we will patiently work with you in determining the type of trust deed investment, interest rate and term that best suits your needs. We are currently offering our investors first and second deeds of trusts secured by residential and commercial properties.

We personally meet with each borrower for every trust deed our company originates. We put each borrower through an extensive qualifying and underwriting process and we always comply with all required Department of Homeland Security requirements in confirming our borrower’s identity.

Following are some of the main functions we perform for each loan submitted to our company for funding:

Appraisal of the subject property

Every property that will be the security for our investor’s investment is professionally appraised and evaluated by an experienced and trained appraiser licensed by the California OREA.

In addition, every property is physically visited to inspect and verify all reports prepared by the appraiser and to perform an evaluation of the neighborhood and surrounding area. A determination as to the marketability of the property is calculated to confirm repayment to our investors. 

Lender’s Title Insurance on the property

Every loan our company funds on behalf of our investors are insured by an approved title insurance company. A fully extended ALTA (American Land Title Association) policy is arranged for each deed of trust originated by our company. This assures that the borrower is the legal owner and that the lien position is insured. Following the closing of the loan each investor receives an original title insurance policy. 

Hazard Insurance for the Property

All borrowers are required to carry a hazard insurance policy providing fire and liability insurance for the subject property. Each investor is added as an additionally insured party on each policy of hazard insurance.

Loan Escrow Services

All transactions are handled by a licensed escrow settlement company. The escrow will confirm that all documents and requirements have been satisfied prior to scheduling the closing of the transaction. After the closing all authorized loan and settlement costs and any directed payments are paid by the escrow agent. Any net proceeds due the borrower are paid by the escrow agent. Prior to closing, the escrow is balanced and reviewed, to verify that all expense and payment categories are correct prior to any money being disbursed.

Loan Servicing for our investors

WGB Loans is a licensed, insured and bonded loan servicing company that can provide monthly loan servicing and property tax and hazard insurance monitoring.

Following the closing of the trust deed investment attention needs to be directed as to who will be monitoring the trust deed investment. There are many other actions that must be performed monthly for each trust deed investment. They are:

  • Collecting the monthly payments
  • Monitoring the status of the first trust deed in the case of 2nd trust deed
  • Confirming that property taxes are paid to the county tax collector
  • Confirming that adequate hazard insurance is in place and payments are being made
  • Overseeing the physical condition of the property
  • The minimum investment that we will invest for our investors is $25,000.00. We structure individual and fractionalized trust deed investments.

We have been assisting trust deed investors with their investments for over twenty five years. Our company has been involved with originating and placed many millions of dollars in trust deed investments with investors throughout California. While trust deed investing can be very beneficial it’s not for everyone. Investors need to know that trust deed investments are not considered liquid investments as opposed to stock investments that can be sold at a moment’s notice. Trust Deed investments can be sold but can involve a lengthy process and often involve selling at a discount. So, any Trust Deed investment needs to be considered a long-term investment that provides investors ongoing monthly payments.

We are required to confirm that each of our investors meet certain government requirements prior to investing. There are various ways to qualify. 

If you would like to receive additional information about investing in California trust deeds simply fill out the DRE Form 870 Investor Questionnaire and submit it to our company. We will get right back to you to further discuss the required steps and how trust deed investing can help you achieve your investing goals.