Lathrop is an established suburban market in San Joaquin County with strong owner-user and investor demand, deep single-family inventory, and steady rental absorption.
Fidelity Funding provides hard money loans, private money, and bridge financing for Lathrop borrowers across fix and flip, rental, and small commercial scenarios.
Standard suburban product in Lathrop accounts for the bulk of our local volume — the median is around $494K and fix-and-flip deals here close on schedule.
Typical Lathrop deals close in 5 to 7 business days with a straight bridge loan plus rehab line and exit to a retail FHA or conventional buyer. Local pocket coverage includes Mossdale, Stonebridge, River Islands, Old Lathrop and adjacent Lathrop submarkets.
Estimated local median: $494K · Typical loan range: $321K – $618K · Top program: fix-and-flip and DSCR rental
Most Lathrop private money loans we fund range from $321K to $618K, sized against an estimated local median around $494K. Loans outside that range are case-by-case based on parcel and scope.
For Lathrop, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Lathrop hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Lathrop.
Yes. DSCR loans are well-suited to Lathrop's rental market.
Yes. We regularly close Lathrop loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT