Hillsborough is an entirely residential luxury enclave on the Peninsula hills above Burlingame, a town of large-lot estates with no commercial district by design. Its grand homes spread across Lower and Upper North Hillsborough, the Country Club neighborhood, and around the historic Carolands mansion, with buyers drawn by privacy, top schools, and quick access to San Francisco, SFO, and Silicon Valley. Many estates date to the early and mid-twentieth century and sit on expansive lots, which fuels a market of high-end renovations and, increasingly, tear-down rebuilds where a dated estate is replaced with new construction. Scarcity and demand from tech and finance wealth keep value at the top of the Peninsula ladder.
Fidelity Funding is a direct, asset-based lender comfortable at Hillsborough's price tier, funding loans up to $50 million. We underwrite the asset and the plan, close in five to ten business days, and provide bridge and ground-up construction capital when a conventional timeline cannot match an estate acquisition or a spec build. For owners repositioning a Country Club or North Hillsborough property, our speed and flexibility keep a high-value deal moving without waiting on bank documentation.
Hillsborough is a premium California enclave where school-district pull and HOA-controlled inventory keep values resilient even when the broader market softens.
Investors in Hillsborough often layer in cosmetic-plus-kitchens scopes that lift the property a full price tier above the $2.17M median without triggering structural permits. Local pocket coverage includes Lower North Hillsborough, Upper North Hillsborough, Country Club, Carolands and adjacent Hillsborough submarkets.
Estimated local median: $2.17M · Typical loan range: $1.41M – $2.71M · Top program: high-balance fix-and-flip and bridge
Most Hillsborough private money loans we fund range from $1.41M to $2.71M, sized against an estimated local median around $2.17M. Loans outside that range are case-by-case based on parcel and scope.
For Hillsborough, 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. Our loans range up to $50 million, so we finance the estate-level renovations, rebuilds, and acquisitions typical of North Hillsborough and the Country Club area.
We provide ground-up construction financing for estate rebuilds, underwriting the build plan and finished value rather than the borrower's income history.
Typically five to ten business days once title and appraisal clear, which lets buyers move on rare estate listings without a conventional lender's delays.
Yes. Bridge capital is common here for securing a new estate before an existing home sells, and we underwrite the asset rather than income documentation.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT