Angels Camp is the only incorporated city in Calaveras County, a historic Gold Rush town in the Sierra foothills immortalized by Mark Twain's jumping-frog story and still celebrated each year at the Calaveras County Fair. Its compact Downtown Angels Camp of stone-and-brick storefronts anchors a foothill economy of tourism, wine, and retirement living, with a housing stock ranging from historic homes to the golf-oriented Greenhorn Creek and Saddle Creek communities and the older Altaville district. Affordable pricing and Gold Country charm keep the market steady.
Fidelity Funding lends directly across California, and our asset-based approach fits Angels Camp's mix of historic value-add homes and resort-style community properties. We underwrite the property and the plan and close in as little as five to seven business days. Whether an investor is restoring a Downtown home, holding a Greenhorn Creek rental on DSCR terms, or bridging a Saddle Creek golf-community purchase, our capital keeps pace in this affordable and charming Gold Country market where good deals move quickly.
Angels Camp draws design-driven buyers, and tasteful restorations in the $420K price band consistently outperform comparable cosmetic flips.
Typical Angels Camp rehab loans are scoped around restoration-grade finishes that match the historic-district character — that detail consistently lifts resale values above the $420K median. Local pocket coverage includes Downtown Angels Camp, Greenhorn Creek, Altaville, Saddle Creek and adjacent Angels Camp submarkets.
Estimated local median: $420K · Typical loan range: $273K – $525K · Top program: historic-district fix-and-flip and small commercial
Most Angels Camp private money loans we fund range from $273K to $525K, sized against an estimated local median around $420K. Loans outside that range are case-by-case based on parcel and scope.
For Angels Camp, our highest-volume program is historic-district fix-and-flip and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. The historic Downtown and Altaville stock is prime value-add material, and we cover up to 100% of rehab costs on an asset basis.
Absolutely. Our DSCR loans qualify on the property's rental income, which suits demand in the golf-oriented Greenhorn Creek community.
Yes, as an asset-based lender we can finance rural Calaveras County properties that conventional lenders often decline.
As fast as five to seven business days once title and appraisal clear, since we make decisions in-house as a direct lender.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT