Lompoc is an established suburban market in Santa Barbara 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 Lompoc borrowers across fix and flip, rental, and small commercial scenarios.
Lompoc is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $950K-band fix-and-flip inventory absorbs reliably.
Investor exits in Lompoc skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $950K median for downside protection. Local pocket coverage includes Downtown Lompoc, Vandenberg Village, Mission Hills, Mesa Oaks and adjacent Lompoc submarkets.
Estimated local median: $950K · Typical loan range: $618K – $1.19M · Top program: fix-and-flip and DSCR rental
Most Lompoc private money loans we fund range from $618K to $1.19M, sized against an estimated local median around $950K. Loans outside that range are case-by-case based on parcel and scope.
For Lompoc, 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 Lompoc hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Lompoc.
Yes. DSCR loans are well-suited to Lompoc's rental market.
Yes. We regularly close Lompoc 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