Los Gatos is an affluent town at the base of the Santa Cruz Mountains, blending a historic downtown along Santa Cruz Avenue, Netflix's corporate presence, and easy Highway 17 access to both Silicon Valley and the coast. Its economy is anchored by tech wealth and upscale retail, and the housing stock ranges from restored Victorians and craftsman homes in the Almond Grove historic district to hillside properties in Belgatos and Glenridge and estate homes tucked into the wooded slopes. Investors chase the premium these buyers pay for character and location, working the gap between dated original homes and finished luxury product in one of the valley's most desirable towns.
Fidelity Funding is a direct, asset-based lender, so a Los Gatos investor negotiates with the decision-makers on high-dollar deals. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and size loans up to $50M for substantial remodels and rebuilds. From restoring an Almond Grove Victorian to reworking a Belgatos hillside home, our capital keeps luxury investors competitive in a market where premium inventory near Downtown Los Gatos moves fast.
For a property in Los Gatos, 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 Almond Grove, Downtown Los Gatos, Glenridge, Belgatos and adjacent Los Gatos submarkets.
Illustrative property value: $2.33M · Illustrative financing range: $1.51M – $2.91M · Programs to discuss: high-balance fix-and-flip and bridge
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 $1.51M to $2.91M range below is an illustration, not funded-loan history or an offer.
Options to discuss include high-balance fix-and-flip and bridge, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. We lend on restorations of Almond Grove Victorians and craftsman homes, underwriting the after-repair value and plan so period features can be preserved profitably.
We can. Our construction and rehab programs cover hillside remodels and rebuilds in Belgatos and Glenridge, sized to the asset and the specific site conditions.
We lend from $50K to $50M, covering the substantial acquisition and construction budgets common in this luxury market.
Yes. Our DSCR program qualifies Los Gatos rentals on their income, which suits the strong demand for stays and long-term homes near Santa Cruz Avenue.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT