Sutter Creek blends historic single-family inventory, an established downtown, and strong demand from owner-users and investors across Amador County.
Fidelity Funding provides hard money loans, private money, and bridge financing for Sutter Creek borrowers across fix and flip, rental, and small commercial scenarios.
Sutter Creek draws design-driven buyers, and tasteful restorations in the $430K price band consistently outperform comparable cosmetic flips.
Typical Sutter Creek rehab loans are scoped around restoration-grade finishes that match the historic-district character — that detail consistently lifts resale values above the $430K median. Local pocket coverage includes Downtown Sutter Creek, Old Eureka Way, Spanish Flat, Gopher Flat and adjacent Sutter Creek submarkets.
Estimated local median: $430K · Typical loan range: $280K – $538K · Top program: historic-district fix-and-flip and small commercial
Most Sutter Creek private money loans we fund range from $280K to $538K, sized against an estimated local median around $430K. Loans outside that range are case-by-case based on parcel and scope.
For Sutter Creek, 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 Sutter Creek hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Sutter Creek.
Yes. DSCR loans are well-suited to Sutter Creek's rental market.
Yes. We regularly fund Craftsman, Spanish, and other historic-home rehabs throughout Sutter Creek.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT