Fort Jones sits at the northern end of Scott Valley along Highway 3, a former military post turned ranching and timber town that anchors the drive between Yreka and Etna. The small grid of Downtown Fort Jones gives way quickly to open pasture, hay ground, and cattle operations, and the housing stock reflects that heritage: older frame homes near the center, ranch houses on acreage along the Highway 3 corridor, and scattered parcels running south toward South Fort Jones. Buyers here are drawn by affordable land, mountain access to the Marble and Trinity wilderness, and a genuinely rural pace of life.
Fidelity Funding is a direct, asset-based lender comfortable with the agricultural and mixed collateral that defines a market like Fort Jones. Rather than chase a borrower's tax returns, we underwrite the property and the business plan, which lets us fund homes on acreage, small ranches, and value-add cottages that conventional lenders often decline. We close in five to ten business days, lend up to 90% of purchase plus 100% of rehab, and offer DSCR loans for investors holding Scott Valley rentals long term. Reach a real decision-maker directly at (877) 300-3007.
For a property in Fort Jones, 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 Fort Jones, Scott Valley, South Fort Jones, Highway 3 corridor and adjacent Fort Jones submarkets.
Illustrative property value: $225K · Illustrative financing range: $146K – $282K · Programs to discuss: STR DSCR and rehab
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 $146K to $282K range below is an illustration, not funded-loan history or an offer.
Options to discuss include STR DSCR and rehab, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. We fund homes on Scott Valley acreage with barns, shops, and pasture, sizing the loan to the asset and your plan rather than a standard residential template.
Often, yes. As a direct lender we can close in five to ten business days, which helps when a Fort Jones seller wants certainty and speed on a rural property.
Absolutely. We lend up to 90% of purchase and cover up to 100% of rehab, so you can renovate an older Highway 3 corridor home without tying up all your cash.
Our rates start from 9.99% and are priced to the deal's risk, leverage, and exit. We can quote a Fort Jones property once we review the plan.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT