Jackson is the county seat of Amador County and one of the best-preserved Mother Lode towns, its Main Street lined with brick buildings from the mining era and the National and Louisiana House hotels still anchoring the historic district. Downtown Jackson holds the civic and tourism core, while newer commercial activity concentrates toward the Martell border, where the shopping centers and everyday retail serve the surrounding foothill communities. Housing runs from vintage cottages and hillside homes on Argonaut Hill to ranch-style properties around the Kennedy area, named for the deep hard-rock mine that defined the town's fortunes.
Fidelity Funding lends directly across Amador County, underwriting the asset and the business plan rather than a borrower's W-2 history. That approach fits a market of older, character-rich homes where each property demands its own scope of work. Whether you are rehabbing an Argonaut Hill cottage, buying a distressed ranch near the Kennedy area to flip, or holding a rental sized to steady foothill demand, we close in as little as five to seven business days and fund up to 90% of purchase cost plus 100% of rehab.
Historic-district overlays and permit timelines shape Jackson renovation projects, but the resulting product trades at a premium to the $430K local median.
Investor exits in Jackson skew to design-driven owner-occupant buyers, so loan structures include enough rehab runway to deliver finished product, not contractor-special listings. Local pocket coverage includes Downtown Jackson, Martell border, Argonaut Hill, Kennedy area and adjacent Jackson submarkets.
Estimated local median: $430K · Typical loan range: $280K – $538K · Top program: historic-district fix-and-flip and small commercial
Most Jackson 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 Jackson, 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.
We lend on single-family flips, small multifamily, and DSCR rentals across Downtown Jackson, Argonaut Hill, the Kennedy area, and toward Martell. Older character homes and newer ranch properties both qualify on an asset basis.
Yes. As a direct lender we routinely close in five to ten business days, and as fast as five to seven once title and valuation are in hand.
We do. Our programs cover up to 100% of rehab, which helps when older Argonaut Hill and downtown properties need meaningful updates.
Yes, we fund both residential rentals and small commercial deals near the Martell corridor, sizing the loan to the property and your exit strategy.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT