CA Prob Code Section 10514

(a)

Subject to subdivision (b), the personal representative has the following powers:

(1)

The power to borrow.

(2)

The power to place, replace, renew, or extend any encumbrance upon any property of the estate.

(b)

Only a personal representative who has full authority has the power to borrow money with the loan secured by an encumbrance upon real property.