Ione sits on the western edge of Amador County where the Gold Country foothills flatten toward the Central Valley, giving it a foothold in both worlds. Downtown Ione holds a compact historic core of brick and false-front buildings, while the town's growth story is anchored by Castle Oaks, the golf-course community that brought newer subdivisions and a different buyer profile to a town long defined by its clay quarries and the nearby Preston history. Older streets around Arroyo Seco and along Old Stockton Road carry vintage cottages and ranch homes, and the flatter terrain makes Ione more developable than its steeper Mother Lode neighbors.
Fidelity Funding lends directly across Amador County and underwrites on the asset and the plan, not a borrower's tax returns. That flexibility suits Ione, where a single investor might renovate a downtown cottage one month and build near Castle Oaks the next. Whether you are flipping an Arroyo Seco fixer, financing new construction on a flatter parcel, or holding a DSCR rental sized to commuter and local demand, we close in as little as five to seven business days and fund up to 90% of purchase plus 100% of rehab.
Ione draws design-driven buyers, and tasteful restorations in the $430K price band consistently outperform comparable cosmetic flips.
Typical Ione rehab loans are scoped around restoration-grade finishes that match the historic-district character — that detail consistently lifts resale values above the $430K median. Local pocket coverage includes Downtown Ione, Arroyo Seco, Castle Oaks, Old Stockton Road and adjacent Ione submarkets.
Estimated local median: $430K · Typical loan range: $280K – $538K · Top program: historic-district fix-and-flip and small commercial
Most Ione private money loans we fund range from $280K to $538K, sized against an estimated local median around $430K. Loans outside that range are case-by-case based on parcel and scope.
For Ione, our highest-volume program is historic-district fix-and-flip and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Ione's flatter, developable lots make ground-up construction viable, and our construction program funds a substantial share of build costs sized to the completed value.
Absolutely. We finance flips on vintage cottages and ranch homes near Downtown Ione and Arroyo Seco, covering up to 100% of rehab on an asset basis.
As fast as five to seven business days once title and valuation clear, with a typical range of five to ten as a direct lender.
Yes, we fund purchases, bridges, and rentals near Castle Oaks and Old Stockton Road, underwriting the property and your exit 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