Sonora blends historic single-family inventory, an established downtown, and strong demand from owner-users and investors across Tuolumne County.
Fidelity Funding provides hard money loans, private money, and bridge financing for Sonora borrowers across fix and flip, rental, and small commercial scenarios.
Sonora draws design-driven buyers, and tasteful restorations in the $395K price band consistently outperform comparable cosmetic flips.
Typical Sonora rehab loans are scoped around restoration-grade finishes that match the historic-district character — that detail consistently lifts resale values above the $395K median. Local pocket coverage includes Downtown Sonora, South Sonora, Mono Way corridor, Phoenix Lake and adjacent Sonora submarkets.
Estimated local median: $395K · Typical loan range: $257K – $494K · Top program: historic-district fix-and-flip and small commercial
Most Sonora private money loans we fund range from $257K to $494K, sized against an estimated local median around $395K. Loans outside that range are case-by-case based on parcel and scope.
For Sonora, our highest-volume program is historic-district fix-and-flip and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Sonora hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Sonora.
Yes. DSCR loans are well-suited to Sonora's rental market.
Yes. We regularly fund Craftsman, Spanish, and other historic-home rehabs throughout Sonora.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT