Folsom blends Gold Rush history with modern affluence, its Historic Folsom district and Sutter Street sitting beside Lake Natoma and the American River, while Intel and other tech employers along Highway 50 anchor a well-off workforce. The housing runs from period homes near the historic core to newer master-planned neighborhoods like Empire Ranch, Broadstone, and Russell Ranch, plus estate lots in American River Canyon. Top schools, extensive trails, and lake and river recreation give Folsom a premium suburban profile, keeping demand strong for updated and larger homes among families and move-up buyers.
As a direct, asset-based lender, Fidelity Funding funds Folsom investors on the deal rather than income paperwork, comfortable with the area's higher price tiers. We finance flips and remodels, ADU additions, and DSCR rentals serving the Highway 50 tech corridor. Lending statewide since 2006 with rates from 9.99%, closings in 5 to 10 business days, and loans to $50M, we give Sacramento-region investors the capital and speed to compete for Folsom's sought-after inventory.
For a property in Folsom, 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 Empire Ranch, Briggs Ranch, Lake Natoma, Folsom Heights, Russell Ranch, Broadstone and adjacent Folsom submarkets.
Illustrative property value: $806K · Illustrative financing range: $524K – $1.01M · 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 $524K to $1.01M 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. These master-planned neighborhoods support updated move-up resale, and we finance flips to the after-repair value.
It is. Intel and other employers sustain professional renter demand, supporting DSCR buy-and-holds in Folsom.
We fund character-home renovations near the historic core on an asset basis, lending to the after-repair value.
We lend from $50K to $50M, covering Folsom's higher-value flips and larger remodels.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT