Lafayette is an affluent Lamorinda town in Contra Costa County, known for its leafy semi-rural feel, top-ranked schools, and a charming downtown along Mount Diablo Boulevard with easy BART and Highway 24 access to San Francisco. Its economy is largely residential and commuter-driven, and the housing stock ranges from ranch and mid-century homes to substantial custom estates across Burton Valley, Happy Valley, and Reliez Valley, many on wooded, view-oriented lots. Investors focus on the wide gap between dated homes and the finished luxury product these buyers expect, where a thoughtful remodel or rebuild can capture meaningful value in a supply-constrained market.
Fidelity Funding is a direct, asset-based lender, so a Lafayette investor works with the people funding the deal on high-dollar projects. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and size loans up to $50M for the substantial construction budgets this market supports. Whether you are remodeling a Burton Valley home, rebuilding on a Happy Valley lot, or holding a rental near Downtown Lafayette, our capital keeps luxury investors competitive where premium inventory is scarce.
For a property in Lafayette, 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 Lafayette, Burton Valley, Happy Valley, Reliez Valley and adjacent Lafayette submarkets.
Illustrative property value: $1.32M · Illustrative financing range: $856K – $1.65M · 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 $856K to $1.65M 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 construction and rehab programs support hillside remodels and custom rebuilds in Burton Valley, Happy Valley, and Reliez Valley, sized to the asset and site.
We lend from $50K to $50M, covering the substantial acquisition and construction budgets common in this Lamorinda market.
Top schools and a semi-rural setting keep demand for finished homes high, and the gap between dated and turnkey product leaves margin on quality projects.
Typically five to ten business days once title and appraisal clear, letting buyers act on scarce premium listings.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT