Brea sits at the northern edge of Orange County against the Puente Hills, a suburban city that grew from oil and citrus roots into a polished commercial and residential hub anchored by the Brea Mall and a lively, walkable Downtown Brea district. Olinda Village and the Brea Hills offer hillside and view homes, while Country Hills and the flatter neighborhoods hold postwar and newer tract homes on solid lots. Strong schools, retail-heavy employment, and easy access to the 57 make it a steady, family-oriented North OC market with reliable demand.
Fidelity Funding lends directly to Brea investors, underwriting on the asset and finished vision rather than slowing you down. A California lender since 2006, we close in 5 to 10 business days at rates from 9.99%, with up to 90% of cost plus 100% of rehab. Whether you are updating a Country Hills tract home or building on an Olinda Village view lot, our fast, in-house decisions keep your Brea projects moving in a competitive suburban market.
Brea is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $1.04M-band fix-and-flip inventory absorbs reliably.
Investor exits in Brea skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $1.04M median for downside protection. Local pocket coverage includes Downtown Brea, Olinda Village, Brea Hills, Country Hills and adjacent Brea submarkets.
Estimated local median: $1.04M · Typical loan range: $679K – $1.31M · Top program: fix-and-flip and DSCR rental
Most Brea private money loans we fund range from $679K to $1.31M, sized against an estimated local median around $1.04M. Loans outside that range are case-by-case based on parcel and scope.
For Brea, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Cosmetic and moderate flips of postwar and tract homes, hillside custom rehabs in Olinda Village and Brea Hills, and ADU additions where lots allow.
Yes. Hillside and view lots are within our scope, with engineering or geological reports where the terrain calls for them.
Yes. Strong schools, retail and commercial jobs, and freeway access sustain steady rental demand, which supports DSCR financing.
Typically 5 to 10 business days, and as fast as 5-7 with a clean file, since we make decisions in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT