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.
For a property in Hillsborough, 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 Lower North Hillsborough, Upper North Hillsborough, Country Club, Carolands and adjacent Hillsborough submarkets.
Illustrative property value: $2.17M · Illustrative financing range: $1.41M – $2.71M · 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 $1.41M to $2.71M 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. 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