FIDELITY FUNDING (877) 300-3007

California Hard Money Rate Map

County-by-county financing illustrations showing example rates, points, and leverage. These figures are not live rates, current lender quotes, or measured county pricing. Request current terms for your property and loan program.

Key Facts

  • Los Angeles County (Southern California) — 9.99% – 11.99% | 1.5 – 2.5 pts | up to 75% LTV — popular: Fix & Flip, Bridge, DSCR, ADU Construction
  • Orange County (Southern California) — 9.99% – 11.49% | 1.25 – 2.25 pts | up to 75% LTV — popular: Coastal Fix & Flip, Construction, DSCR
  • San Diego County (Southern California) — 9.99% – 11.99% | 1.5 – 2.5 pts | up to 75% LTV — popular: Fix & Flip, ADU, DSCR, Short-Term Rental
  • Riverside County (Inland Empire) — 9.99% – 12.49% | 2.0 – 3.0 pts | up to 75% LTV — popular: Fix & Flip, Rental DSCR, Bridge
  • San Bernardino County (Inland Empire) — 9.99% – 12.49% | 2.0 – 3.0 pts | up to 75% LTV — popular: Fix & Flip, DSCR, Industrial Bridge
  • Santa Clara County (Bay Area) — 9.99% – 11.25% | 1.25 – 2.0 pts | up to 70% LTV — popular: Bridge, Construction, DSCR
  • Alameda County (Bay Area) — 9.99% – 11.49% | 1.5 – 2.25 pts | up to 70% LTV — popular: Multifamily Bridge, Fix & Flip, DSCR
  • San Francisco County (Bay Area) — 9.99% – 11.25% | 1.25 – 2.0 pts | up to 65% LTV — popular: Bridge, Commercial, Mixed-Use
  • San Mateo County (Bay Area) — 9.99% – 11.25% | 1.25 – 2.0 pts | up to 70% LTV — popular: Bridge, Construction, Tear-Down Spec
  • Contra Costa County (Bay Area) — 9.99% – 11.49% | 1.5 – 2.25 pts | up to 75% LTV — popular: Fix & Flip, DSCR, Bridge
  • Sacramento County (Sacramento Region) — 9.99% – 12.49% | 2.0 – 3.0 pts | up to 75% LTV — popular: Fix & Flip, DSCR, Construction
  • Fresno County (Central Valley) — 10.49% – 12.99% | 2.25 – 3.25 pts | up to 70% LTV — popular: DSCR Rental, Fix & Flip, Multifamily
  • Kern County (Central Valley) — 10.49% – 12.99% | 2.25 – 3.25 pts | up to 70% LTV — popular: DSCR, Fix & Flip, Rural Land
  • Ventura County (Southern California) — 9.99% – 11.99% | 1.5 – 2.5 pts | up to 75% LTV — popular: Fix & Flip, Coastal Construction, DSCR
  • Santa Barbara County (Central Coast) — 9.99% – 11.49% | 1.5 – 2.25 pts | up to 70% LTV — popular: Luxury Bridge, Construction, Vineyard
  • San Luis Obispo County (Central Coast) — 9.99% – 12.49% | 1.75 – 2.75 pts | up to 70% LTV — popular: Construction, Fix & Flip, STR
  • Monterey County (Central Coast) — 9.99% – 12.49% | 1.75 – 2.75 pts | up to 70% LTV — popular: Luxury Bridge, STR, Construction
  • Sonoma County (Northern California) — 9.99% – 12.49% | 1.75 – 2.75 pts | up to 70% LTV — popular: Vineyard, Construction, Fix & Flip
  • Napa County (Northern California) — 9.99% – 12.49% | 1.75 – 2.75 pts | up to 70% LTV — popular: Vineyard, Luxury, Construction
  • Placer County (Sacramento Region) — 9.99% – 12.49% | 2.0 – 3.0 pts | up to 75% LTV — popular: Fix & Flip, DSCR, Tahoe STR

Frequently Asked Questions

Are these current California hard money rates?

No. These are planning illustrations, not live pricing or a market survey. Request current rates, points, and loan conditions for your property.

What affects a loan quote?

Property valuation, leverage, borrower qualifications, loan purpose, and repayment strategy affect underwriting and available terms.

How do I get a current quote?

Call (877) 300-3007 or submit your property scenario. A loan officer can review eligibility, required documents, and proposed terms.

Get a California Term Sheet Today

Fidelity Funding Corp · Direct California private money lender since 2006

(877) 300-3007

450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT

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