Saratoga is one of Silicon Valley's premier luxury suburbs, tucked against the Santa Cruz Mountains with a picturesque village, renowned schools, and cultural draws like the Mountain Winery and Villa Montalvo. Its economy is wealth-anchored, home to executives and founders, and the housing stock ranges from dated mid-century homes to grand estates across Saratoga Hills, Bellgrove, and the Quito area, many on wooded acre-plus lots. Investors operate near the top of the market, chasing the wide gap between original homes and the finished luxury product these buyers demand, where a full remodel or teardown-rebuild can capture substantial value on a coveted parcel.
Fidelity Funding is a direct, asset-based lender, so a Saratoga investor works with the people funding the deal on high-dollar projects. 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 the significant construction budgets Saratoga supports. Whether you are rebuilding a Saratoga Hills estate or modernizing a home near Saratoga Village, our capital keeps luxury investors competitive where premium inventory is genuinely rare.
Saratoga draws move-up buyers from across California, and luxury fix-and-flip projects here regularly trade above the $2.33M median once renovated.
Typical Saratoga 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 Saratoga Village, Saratoga Hills, Bellgrove, Quito and adjacent Saratoga submarkets.
Estimated local median: $2.33M · Typical loan range: $1.51M – $2.91M · Top program: high-balance fix-and-flip and bridge
Most Saratoga 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 Saratoga, 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. Our construction program funds significant rebuild and full-remodel projects on Saratoga lots, with loans sized up to $50M to match the market's budgets.
We lend from $50K to $50M, covering the substantial acquisition and construction costs common in Saratoga Hills and Bellgrove.
Elite schools and a scenic setting keep demand for turnkey estates high, and the gap between original and finished homes leaves real margin on quality renovations.
Typically five to ten business days once title and appraisal clear, letting buyers act on scarce premium 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