Moraga is a quiet, affluent Lamorinda town in Contra Costa County, ringed by rolling hills and home to Saint Mary's College, with top-ranked schools and a semi-rural character that draws families away from the freeway noise. Its economy is largely residential and commuter-driven toward the East Bay and San Francisco via nearby BART, and the housing stock ranges from 1960s and 1970s ranch homes to newer custom builds in the Moraga Country Club, Campolindo, and Sanders Ranch communities. Investors focus on the premium these buyers pay for quiet, school-anchored living, working the gap between dated homes and the finished product families expect.
Fidelity Funding lends directly across Contra Costa County, underwriting the asset and the plan rather than income documents. 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 larger custom projects. Whether you are remodeling a Campolindo ranch home, rebuilding near the Country Club, or holding a rental near Saint Mary's College, our capital keeps investors competitive in a low-inventory, school-driven Lamorinda market.
Moraga is a premium California enclave where school-district pull and HOA-controlled inventory keep values resilient even when the broader market softens.
Investors in Moraga often layer in cosmetic-plus-kitchens scopes that lift the property a full price tier above the $1.32M median without triggering structural permits. Local pocket coverage includes Moraga Country Club, Campolindo, Saint Mary's College area, Sanders Ranch and adjacent Moraga submarkets.
Estimated local median: $1.32M · Typical loan range: $856K – $1.65M · Top program: high-balance fix-and-flip and bridge
Most Moraga private money loans we fund range from $856K to $1.65M, sized against an estimated local median around $1.32M. Loans outside that range are case-by-case based on parcel and scope.
For Moraga, our highest-volume program is high-balance fix-and-flip and bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Our construction and rehab programs support ranch-home remodels and custom rebuilds in Campolindo, the Country Club, and Sanders Ranch, sized to the asset and site.
There is. Demand tied to the college supports mid-term and long-term rentals, and our DSCR program qualifies those properties on their rental income.
We lend from $50K to $50M, covering the acquisition and construction budgets common in this Lamorinda market.
Typically five to ten business days once title and appraisal clear, because we make the lending decision in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT