Monte Sereno is a tiny, exclusively residential enclave between Los Gatos and Saratoga, one of Silicon Valley's smallest and most affluent cities, with large wooded lots and no commercial core. Its economy is entirely high-net-worth residential, home to executives who value privacy and proximity to the Los Gatos and Saratoga village amenities. The housing stock ranges from dated mid-century homes to substantial custom estates across the Vista del Monte, Kennedy, and Stratford areas, all on generous parcels. Investors work at the very top of the market, focused on estate remodels and rebuilds where lot size, privacy, and demanding buyers create meaningful value on a well-executed project.
Fidelity Funding lends directly across the South Bay foothills, underwriting the asset and the construction plan rather than tax returns, which suits the high-dollar, longer-timeline deals this enclave produces. 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 the estate budgets common here. Whether you are rebuilding on a Kennedy lot or modernizing a Stratford home, our capital fits the largest and most private projects in the valley.
For a property in Monte Sereno, 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 Vista del Monte, Bicknell, Kennedy, Stratford and adjacent Monte Sereno 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. Our construction program supports large-lot teardown-rebuilds and custom remodels, with loans sized up to $50M to match this enclave's high budgets.
We lend from $50K to $50M, covering acquisition plus the substantial construction costs typical of Vista del Monte and Kennedy estate projects.
Extreme scarcity and demanding luxury buyers mean well-executed estate product can command premium pricing, rewarding capital-intensive remodels and rebuilds.
Typically five to ten business days once title and appraisal clear, letting well-capitalized buyers act on rare opportunities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT