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.
Folsom is a premium California enclave where school-district pull and HOA-controlled inventory keep values resilient even when the broader market softens.
Investors in Folsom often layer in cosmetic-plus-kitchens scopes that lift the property a full price tier above the $806K median without triggering structural permits. Local pocket coverage includes Empire Ranch, Briggs Ranch, Lake Natoma, Folsom Heights, Russell Ranch, Broadstone and adjacent Folsom submarkets.
Estimated local median: $806K · Typical loan range: $524K – $1.01M · Top program: high-balance fix-and-flip and bridge
Most Folsom private money loans we fund range from $524K to $1.01M, sized against an estimated local median around $806K. Loans outside that range are case-by-case based on parcel and scope.
For Folsom, our highest-volume program is high-balance fix-and-flip and bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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