Santa Maria is a Central Valley hub in Santa Barbara County, with affordable single-family inventory, strong tenant demand, and consistent investor activity across residential and agricultural-adjacent product.
Fidelity Funding provides hard money loans, private money, and bridge financing for Santa Maria borrowers across fix and flip, rental, and small commercial scenarios.
Agricultural overlay zoning, well and septic review, and parcel-line analysis are standard on Santa Maria files; typical project values run around $600K.
We size Santa Maria loans around realistic well/septic review timelines, parcel-line confirmation, and agricultural overlay zoning. Local pocket coverage includes Downtown Santa Maria, Orcutt border, Tanglewood, Sycamore and adjacent Santa Maria submarkets.
Estimated local median: $600K · Typical loan range: $390K – $750K · Top program: DSCR rental and small commercial
Most Santa Maria private money loans we fund range from $390K to $750K, sized against an estimated local median around $600K. Loans outside that range are case-by-case based on parcel and scope.
For Santa Maria, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Santa Maria hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Santa Maria.
Yes. DSCR loans are well-suited to Santa Maria's rental market.
Yes. We regularly close Santa Maria loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT