Ferndale blends historic single-family inventory, an established downtown, and strong demand from owner-users and investors across Humboldt County.
Fidelity Funding provides hard money loans, private money, and bridge financing for Ferndale borrowers across fix and flip, rental, and small commercial scenarios.
Historic-district overlays and permit timelines shape Ferndale renovation projects, but the resulting product trades at a premium to the $425K local median.
Investor exits in Ferndale skew to design-driven owner-occupant buyers, so loan structures include enough rehab runway to deliver finished product, not contractor-special listings. Local pocket coverage includes Downtown Ferndale, Eel River corridor, South Ferndale, Centerville and adjacent Ferndale submarkets.
Estimated local median: $425K · Typical loan range: $276K – $531K · Top program: historic-district fix-and-flip and small commercial
Most Ferndale private money loans we fund range from $276K to $531K, sized against an estimated local median around $425K. Loans outside that range are case-by-case based on parcel and scope.
For Ferndale, 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.
Most Ferndale hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Ferndale.
Yes. DSCR loans are well-suited to Ferndale's rental market.
Yes. We regularly fund Craftsman, Spanish, and other historic-home rehabs throughout Ferndale.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT