Alturas is the seat of Modoc County and the largest town in California's remote northeastern corner, sitting where Highway 395 and Highway 299 cross in a high-desert ranching landscape defined by cattle, hay, and the wide-open Great Basin country. Downtown Alturas keeps a compact historic Main Street, and the town serves as the trade and government center for a vast, sparsely populated region. Housing along the Highway 395 corridor, South Alturas, and West Alturas runs older and modest, with ranch properties and small-town homes priced far below almost anywhere else in the state.
Fidelity Funding lends directly across even California's most rural counties, underwriting on the asset and the plan rather than a borrower's income documents. In a market this remote, conventional financing is genuinely hard to find, and our asset-based approach fills that gap. Whether you are flipping a dated home near downtown, holding a modest rental backed by government and agricultural employment, or bridging into a ranch-area acquisition, we close in five to ten business days and fund up to 90% of purchase plus 100% of rehab.
For a property in Alturas, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown Alturas, South Alturas, Highway 395 corridor, West Alturas and adjacent Alturas submarkets.
Illustrative property value: $183K · Illustrative financing range: $119K – $228K · Programs to discuss: STR DSCR and rehab
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $119K to $228K range below is an illustration, not funded-loan history or an offer.
Options to discuss include STR DSCR and rehab, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. We lend statewide across California, including remote counties like Modoc where conventional financing is hard to find, underwriting on the asset rather than local comps alone.
Entry pricing is among the lowest in the state, which gives investors substantial room even on modest deals. We size loans to the property and your plan.
As fast as five to seven business days once title and valuation clear, and generally within five to ten as a direct lender.
Yes, we fund homes on rural and ranch-adjacent parcels, sizing the loan to the completed value and your exit plan.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT