Lompoc sits in a fertile valley in northwestern Santa Barbara County, historically a flower-seed and agricultural town whose economy is now closely tied to Vandenberg Space Force Base and its launch operations. The housing base is affordable by county standards, spanning older Downtown Lompoc bungalows, the base-adjacent Vandenberg Village, and quieter areas like Mission Hills and Mesa Oaks. Payrolls from the space and defense sector, agriculture, and a state prison presence give the city a stable rental foundation and entry pricing that draws investors priced out of the coast.
Fidelity Funding lends directly across Santa Barbara County, and our asset-based model fits Lompoc's practical mix of flippers and buy-and-hold landlords. We underwrite the property and the plan and close in as little as five to seven business days. Whether an investor is modernizing a Downtown bungalow, holding a Vandenberg Village rental on DSCR terms tied to base demand, or funding small commercial along the H Street corridor, our capital moves at the pace this affordable, steady market rewards.
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.
It can be, with a durable tenant base tied to Vandenberg Space Force Base, agriculture, and government jobs. Our DSCR loans qualify on the property's rental income, not your personal income.
Yes. Vandenberg Village and the base-adjacent neighborhoods see steady demand, and we fund both flips and DSCR holds there on an asset basis.
As fast as five to seven business days once title and appraisal clear. Because we are a direct lender, our timeline holds even in a competitive, affordable market.
Yes, we offer cash-out refinancing that lets you pull equity from a stabilized Lompoc property to fund your next acquisition, sized on the asset.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT