Roseville is the largest city in Placer County and a retail and employment anchor of the Sacramento suburbs, home to the Westfield Galleria, major healthcare and tech employers, and a historic rail Downtown that has revitalized alongside sprawling master-planned growth. The housing stock ranges from older homes near Downtown Roseville to the newer West Park and Stoneridge communities and the active-adult Sun City Roseville, giving investors both value-add and newer-build angles. Strong job growth and a family-driven buyer pool keep the market resilient and busy.
Fidelity Funding lends directly across California, and our asset-based approach fits Roseville's mix of value-add older stock and steady owner-occupant demand. We underwrite the property and the exit and close in as little as five to seven business days. Whether an investor is renovating an older home near Downtown, holding a West Park rental on DSCR terms, or bridging a Stoneridge purchase, our capital keeps pace with one of the Sacramento region's most active suburban markets.
Roseville draws move-up buyers from across California, and luxury fix-and-flip projects here regularly trade above the $1.05M median once renovated.
Typical Roseville deals pair acquisition bridge capital with a rehab tranche sized to the local finish standard, exiting to a move-up family buyer drawn by school-district demand. Local pocket coverage includes Downtown Roseville, West Park, Stoneridge, Sun City Roseville and adjacent Roseville submarkets.
Estimated local median: $1.05M · Typical loan range: $680K – $1.31M · Top program: high-balance fix-and-flip and bridge
Most Roseville private money loans we fund range from $680K to $1.31M, sized against an estimated local median around $1.05M. Loans outside that range are case-by-case based on parcel and scope.
For Roseville, 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. Older homes near Downtown are strong value-add candidates in a family-driven resale market, and we cover up to 100% of rehab costs.
Absolutely. Our DSCR loans qualify on the property's rental income, which suits the steady demand in these master-planned communities.
Yes, we bridge and finance homes in the active-adult community, underwriting the asset and the exit rather than the HOA structure.
As fast as five to seven business days once title and appraisal clear, since we make decisions in-house as a direct lender.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT