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.
For a property in Lompoc, 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 Lompoc, Vandenberg Village, Mission Hills, Mesa Oaks and adjacent Lompoc submarkets.
Illustrative property value: $950K · Illustrative financing range: $618K – $1.19M · Programs to discuss: fix-and-flip and DSCR rental
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 $618K to $1.19M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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