Fidelity Funding

What is a California hard money loan?

A California hard money loan is a short-term, asset-based real estate loan funded by a private lender against the equity in California real property. Hard money loans close faster than bank financing (typically 5-10 business days), do not require tax returns, and underwrite to the property and the deal rather than to borrower income.

How fast can Fidelity Funding close a loan in California?

Most loans close in 5 to 10 business days from signed term sheet to funding, assuming clear title and a cooperative seller. Time-sensitive deals — auctions, 1031 exchanges, and competitive purchases — can close faster when needed.

What loan programs does Fidelity Funding offer?

We offer hard money, private money, bridge, fix-and-flip, DSCR, rental property, construction, ground-up construction, commercial real estate, stated income, cash-out refinance, investment property, multifamily, mixed-use, foreign national, short-term rental, rehab, no-doc investor, and second-position loans across California.

What areas of California does Fidelity Funding serve?

We serve all 58 California counties including Los Angeles, Orange, San Diego, Riverside, San Bernardino, Santa Clara, Alameda, Sacramento, Contra Costa, Fresno, Kern, Ventura, and the entire Bay Area, Central Valley, Central Coast, and Southern California regions.

How do I get started?

Call (877) 300-3007 or submit your scenario at /contact. A senior loan officer will respond the same business day with rate, leverage, and term indications.