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.
For a property in Moraga, 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 Moraga Country Club, Campolindo, Saint Mary's College area, Sanders Ranch and adjacent Moraga submarkets.
Illustrative property value: $1.32M · Illustrative financing range: $856K – $1.65M · 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 $856K to $1.65M 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 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