Ferndale is a state-designated historic landmark town on the edge of the Eel River delta, celebrated as California's Victorian Village for the impeccably preserved Victorian storefronts and ornate 'Butterfat Palace' homes built by its dairy-fortune founders. Downtown Ferndale's Main Street is a film-set-worthy stretch of gingerbread architecture, while homes spread out toward the pastureland along the Eel River corridor and South Ferndale and Centerville toward the coast. The dairy heritage still shapes the surrounding farmland, and the town's tourism, arts, and preservation culture keep its historic housing in high demand.
Fidelity Funding lends directly across Humboldt County and is well-versed in the historic and character-rich collateral that defines Ferndale. Because we are asset-based, we underwrite the property and the restoration plan rather than a borrower's income file, which matters when financing a century-old Victorian. We close in five to ten business days, lend up to 90% of purchase plus 100% of rehab, and offer DSCR loans for the strong tourism-driven and long-term rental demand. Reach a decision-maker directly at (877) 300-3007.
For a property in Ferndale, 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 Ferndale, Eel River corridor, South Ferndale, Centerville and adjacent Ferndale submarkets.
Illustrative property value: $425K · Illustrative financing range: $276K – $531K · Programs to discuss: historic-district fix-and-flip and small commercial
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 $276K to $531K range below is an illustration, not funded-loan history or an offer.
Options to discuss include historic-district fix-and-flip and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Ferndale's Victorians are exactly the kind of character property we finance, underwriting the restoration plan and after-repair value rather than penalizing the home's age.
Yes. DSCR loans qualify on the property's income, which suits short- and long-term rental operators serving Ferndale's steady tourism traffic.
We do. Our small commercial and mixed-use programs cover Downtown Ferndale's historic commercial buildings on an asset basis.
We fund up to 100% of rehab and up to 90% of purchase, which supports the extensive work preservation-grade Victorian projects often demand.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT