Tehama is a tiny historic city on the Sacramento River in the county that shares its name, one of California's oldest and smallest incorporated towns, where a quiet main street and river-adjacent homes reflect a farming and ranching heritage that reaches back to the mid-1800s. Downtown Tehama holds a compact historic core, while the River Road corridor follows the Sacramento, Aramayo Way and South Tehama carry older single-family and ranch homes, and the surrounding orchards and fields set the pace of life. The economy is almost entirely agricultural, and housing runs modest and affordable, with river-adjacent parcels adding a distinctive appeal.
Fidelity Funding lends directly across Tehama County and underwrites on the asset and the plan rather than a borrower's tax returns, filling a real gap in a town this small where conventional lenders rarely operate. Whether you are flipping a dated home near the historic core, holding a DSCR rental backed by the farm economy, or bridging into a River Road acquisition, we close in five to ten business days and fund up to 90% of purchase plus 100% of rehab.
For a property in Tehama, 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 Downtown Tehama, South Tehama, River Road corridor, Aramayo Way and adjacent Tehama submarkets.
Illustrative property value: $177K · Illustrative financing range: $115K – $221K · Programs to discuss: DSCR rental and small commercial
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 $115K to $221K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. We lend statewide, including very small historic communities where conventional financing is scarce, underwriting on the asset and your plan.
We can. We finance homes and ranch parcels along the River Road corridor, sizing the loan to the completed value and your exit.
As fast as five to seven business days once title and valuation clear, generally within five to ten as a direct lender.
Yes, our programs cover up to 100% of rehab, which helps with the town's older, affordable housing stock.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT