Novato is the northernmost city in Marin County, a spread-out suburban community that balances Marin's affluence with somewhat more attainable pricing than the county's southern towns. Downtown Novato keeps a historic Grant Avenue core, Hamilton occupies the redeveloped former Air Force base with newer homes and preserved historic officer housing, Pacheco Valle offers hillside condos and townhomes, and Black Point sits in a semi-rural pocket near the Petaluma River. Biotech and light-industrial employers along the Highway 101 corridor give Novato a real job base, and its mix of eras and price points makes it one of Marin's more varied markets.
Fidelity Funding is a direct, asset-based lender, so a Novato investor works with the people who approve the loan rather than a distant committee. We underwrite the property and the exit instead of a thick income file, and we routinely close in five to ten business days. Whether you are renovating an older Downtown Novato home, repositioning a Pacheco Valle townhome, or holding a DSCR rental near Hamilton, our capital keeps pace with Marin's demand.
Standard suburban product in Novato accounts for the bulk of our local volume — the median is around $1.43M and fix-and-flip deals here close on schedule.
Typical Novato deals close in 5 to 7 business days with a straight bridge loan plus rehab line and exit to a retail FHA or conventional buyer. Local pocket coverage includes Downtown Novato, Hamilton, Pacheco Valle, Black Point and adjacent Novato submarkets.
Estimated local median: $1.43M · Typical loan range: $926K – $1.78M · Top program: fix-and-flip and DSCR rental
Most Novato private money loans we fund range from $926K to $1.78M, sized against an estimated local median around $1.43M. Loans outside that range are case-by-case based on parcel and scope.
For Novato, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on flips, multifamily, DSCR rentals, bridge, and small commercial across Downtown Novato, Hamilton, Pacheco Valle, and Black Point, underwriting each deal on the asset.
Yes. We finance townhomes and condos where value and exit are clear, underwriting the collateral and the plan rather than your income file.
As fast as five to seven business days once title and valuation clear. As a direct lender, we control funding rather than waiting on a bank.
Yes. We lend on semi-rural property where zoning and access support a clear residential exit, focusing on the collateral.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT