Clayton is a small, affluent suburb tucked at the base of Mount Diablo in central Contra Costa County, prized for its quaint downtown, top schools, and semi-rural hillside setting away from the freeways. Its economy is largely residential and commuter-driven, with residents heading to the Concord and wider Bay Area job cores, and the housing stock ranges from 1970s and 1980s homes to newer custom builds in the Oakhurst golf community and the Mt Diablo Estates and Marsh Creek areas. Investors focus on the premium these buyers pay for quiet, view-oriented living, working the gap between dated homes and the finished product families expect.
Fidelity Funding lends directly across Contra Costa County, underwriting the asset and the plan rather than income documents. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and size loans up to $50M for the larger custom projects Clayton supports. Whether you are remodeling an Oakhurst home, rebuilding on a Mt Diablo Estates lot, or holding a rental near Downtown Clayton, our capital keeps investors competitive in a low-inventory, school-driven market.
For a property in Clayton, 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 Clayton, Oakhurst, Marsh Creek, Mt Diablo Estates and adjacent Clayton submarkets.
Illustrative property value: $1.32M · Illustrative financing range: $856K – $1.65M · Programs to discuss: high-balance fix-and-flip and bridge
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 $856K to $1.65M range below is an illustration, not funded-loan history or an offer.
Options to discuss include high-balance fix-and-flip and bridge, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Our construction and rehab programs support hillside remodels and custom rebuilds in Oakhurst, Mt Diablo Estates, and Marsh Creek, sized to the asset and site.
We lend from $50K to $50M, covering the acquisition and construction budgets common in this luxury-suburban market.
Top schools, a quiet Mount Diablo setting, and tight inventory keep demand for finished homes strong, supporting quality renovation exits.
Typically five to ten business days once title and appraisal clear, because we make the lending decision 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