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.
For a property in Saratoga, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Saratoga Village, Saratoga Hills, Bellgrove, Quito and adjacent Saratoga submarkets.
Illustrative property value: $2.33M · Illustrative financing range: $1.51M – $2.91M · Programs to discuss: high-balance fix-and-flip and bridge
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $1.51M to $2.91M range below is an illustration, not funded-loan history or an offer.
Options to discuss include high-balance fix-and-flip and bridge, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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