County-by-county snapshot of typical California hard money rates, points, and maximum LTVs in 2026. Quoted ranges reflect Fidelity Funding's current pricing on standard fix-and-flip, bridge, and DSCR programs for qualified investor borrowers across all 58 California counties.
Coastal Los Angeles, Orange County, San Diego, the Bay Area, and Central Coast price tighter on rate due to deep liquidity and stable comparables. Inland Empire, Central Valley, Sacramento Region, and Far North price slightly wider on rate but allow higher absolute leverage on value-add and fix-and-flip product because rent-to-price ratios produce stronger cash-flow backstops.
Typical California hard money rates in 2026 run 9.25% to 12.99% with 1.25 to 3 origination points, depending on the county, asset class, leverage requested, and borrower experience. Coastal markets price tighter; inland and Central Valley price wider with higher leverage available.
Pricing varies by county because lenders price for asset liquidity, comparable sales depth, and exit certainty. Coastal Los Angeles, Orange County, and Bay Area counties have the deepest liquidity and price tightest. Inland and rural counties price wider to compensate for slower exit timelines.
Maximum LTV on California hard money loans is typically 75-80% on purchase and 65-75% on after-repair value (ARV), with 100% of approved rehab funded via draw. Bay Area and high-volatility coastal markets cap at 65-70% LTV.
Call Fidelity Funding at (877) 300-3007 for a same-business-day quote on rate, leverage, and term for your specific California scenario. We are a direct California private money lender — no brokers, no committee delays.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT