Ross is a tiny, exceptionally affluent town in Marin County's Ross Valley, consistently among the wealthiest communities in California, defined by large estate lots, mature oaks, and a quiet, low-density character. There is almost no commercial activity beyond a small town center, and the housing is overwhelmingly high-end single-family estates. Downtown Ross holds the modest civic core near the historic Marin Art and Garden Center, Glenwood and Winship Park offer gracious tree-lined estate neighborhoods, and the Phoenix Lake area edges toward the open-space preserves and hiking trails at the base of the hills. Privacy, space, and prestige set the tone.
Fidelity Funding is a direct, asset-based lender, so a Ross 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 a Glenwood estate, updating a Winship Park home, or bridging a rare Ross purchase, our capital and larger loan sizes suit this ultra-premium market.
Ross draws move-up buyers from across California, and luxury fix-and-flip projects here regularly trade above the $2.33M median once renovated.
Typical Ross 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 Ross, Glenwood, Winship Park, Phoenix Lake and adjacent Ross submarkets.
Estimated local median: $2.33M · Typical loan range: $1.51M – $2.91M · Top program: high-balance fix-and-flip and bridge
Most Ross private money loans we fund range from $1.51M to $2.91M, sized against an estimated local median around $2.33M. Loans outside that range are case-by-case based on parcel and scope.
For Ross, 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.
We lend on luxury flips, renovations, and bridge loans across Downtown Ross, Glenwood, Winship Park, and the Phoenix Lake area, underwriting each deal on the asset.
Yes. We lend up to $50M, so even Ross's high-end estates are within range, with terms sized to the deal and exit.
Yes. We finance the large-lot estate properties typical of Ross, underwriting the collateral and renovation plan on their merits.
As fast as five to seven business days once title and valuation clear. That speed helps you act on Ross's exceptionally scarce listings.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT