Loomis is a small, semi-rural town in Placer County between Rocklin and Auburn along I-80, known for its fiercely protected small-town character, larger lots and horse properties, and a compact Downtown centered on the historic Blue Goose fruit-packing shed. Its resistance to dense development keeps the housing base low-density, spanning older Downtown homes, acreage parcels near the King Road area and Horseshoe Bar, and properties along the Penryn border. Buyers value the rural lifestyle within easy reach of Sacramento-area jobs, keeping demand steady and values firm.
Fidelity Funding lends directly across California, and our asset-based approach fits Loomis' mix of acreage, horse properties, and value-add homes that don't always suit conventional lenders. We underwrite the property and the plan and close in as little as five to seven business days. Whether an investor is renovating an older Downtown home, holding a larger-lot rental on DSCR terms, or bridging a horse-property purchase near Horseshoe Bar, our capital keeps pace in this distinctive semi-rural market.
Loomis is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $641K-band fix-and-flip inventory absorbs reliably.
Investor exits in Loomis skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $641K median for downside protection. Local pocket coverage includes Downtown Loomis, Penryn border, King Road area, Horseshoe Bar and adjacent Loomis submarkets.
Estimated local median: $641K · Typical loan range: $417K – $802K · Top program: fix-and-flip and DSCR rental
Most Loomis private money loans we fund range from $417K to $802K, sized against an estimated local median around $641K. Loans outside that range are case-by-case based on parcel and scope.
For Loomis, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Larger-lot and rural properties are central to Loomis, and as an asset-based lender we can finance them where conventional lenders hesitate.
Absolutely. Older Downtown homes are value-add candidates, and we cover up to 100% of rehab costs with fast closings.
Yes, our DSCR loans qualify on the property's rental income, which suits larger-lot rentals in a rural-lifestyle market.
As fast as five to seven business days once title and appraisal clear, since we make decisions in-house as a direct lender.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT