Welcome, Arizona residents! If you’ve found yourself entangled in the complexities of inheritance, you’re not alone. In this blog post, we’ll dive into a topic that often arises in the realm of probate real estate – Inheritance Advances. As Ryan Comstock, your trusted probate realtor in Tucson, Arizona, let’s explore the pros and cons of opting for an Inheritance Advance in the Grand Canyon State.

The Pros of Inheritance Advances in Arizona:

1. Immediate Financial Relief:

In the aftermath of losing a loved one, managing financial obligations can be overwhelming. Inheritance Advances provide a quick injection of cash, helping heirs cover funeral expenses, outstanding bills, or other urgent financial needs.

2. Simplified Probate Process:

Arizona’s probate process can be time-consuming and intricate. By opting for an Inheritance Advance, heirs can potentially streamline the probate proceedings, avoiding prolonged delays and bureaucratic hurdles.

3. No Repayment Obligation:

One of the key advantages is that an Inheritance Advance is not a loan; it’s an advance against the estate. As a result, heirs are not burdened with monthly repayments or interest, alleviating financial stress during an emotionally challenging time.

4. Flexibility in Usage:

Heirs can use the advanced funds as they see fit, whether it’s settling outstanding debts, making necessary repairs to inherited properties, or even investing in opportunities that arise during the probate process.

The Cons of Inheritance Advances in Arizona:

1. Reduced Inheritance Amount:

While Inheritance Advances offer immediate financial relief, it’s essential to recognize that the advance amount is subtracted from the overall inheritance. Heirs should weigh the urgency of their financial needs against the impact on the final inheritance amount.

2. Potential High Fees:

Inheritance Advance providers may charge fees for their services. It’s crucial for heirs to carefully review the terms and conditions to understand the costs involved. Consulting with a knowledgeable probate realtor, such as Ryan Comstock, can help navigate these nuances.

3. Limited to Probate Cases:

Inheritance Advances are specifically designed for probate cases. If an estate is not undergoing probate or has already completed the process, this financial option may not be applicable.

4. Complex Legalities:

Navigating the legal aspects of an Inheritance Advance can be complex. Heirs should seek professional guidance to ensure compliance with Arizona’s probate laws and regulations.

Should You Consider an Inheritance Advance?

Deciding whether to pursue an Inheritance Advance is a nuanced choice, and it hinges on various factors. Here’s a closer look at the considerations that may influence your decision.

1. Minimum Proceeds Requirement:

Advance companies typically set a minimum threshold for expected proceeds before they consider providing an advance. It’s crucial to assess whether your inheritance meets this requirement, as falling short may render you ineligible for the advance.

2. Impact of Fees on Proceeds:

While an Inheritance Advance can provide immediate financial relief, it comes with associated fees. It’s essential to weigh the potential reduction in your overall proceeds against the urgency of your financial needs. Understanding the fee structure is vital to making an informed decision.

3. Timeline of Estate Finalization:

Consider the timeline for the probate process in Arizona. If you cannot afford to wait for the estate’s disposition, which may take a year or more, an Inheritance Advance could be a viable solution to address immediate financial requirements.

4. Urgency of Cash Needs:

Assess your current financial situation and determine the urgency of your cash needs. If waiting for the probate process to conclude poses challenges, opting for an Inheritance Advance may be a suitable option.

5. Exploring Alternatives:

Before committing to an Inheritance Advance, explore alternative options. Consult with a probate realtor, such as myself, Ryan Comstock, to discuss potential alternatives and gain insights into the overall impact on your inheritance.

If you find yourself contemplating an Inheritance Advance, I’m here to guide you through the decision-making process. As a probate realtor in Tucson, Arizona, I understand the intricacies of the probate real estate landscape and can provide valuable insights. Additionally, I can offer referrals to some of the nation’s top advance companies, ensuring you have access to reputable and trustworthy services.


In conclusion, Inheritance Advances present a viable solution for heirs facing immediate financial needs during the probate process. However, careful consideration of the pros and cons is essential to make informed decisions. As your dedicated probate realtor in Tucson, Arizona, I, Ryan Comstock, am here to assist you in understanding the intricacies of Inheritance Advances and guide you through the probate real estate journey.