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.
Agricultural overlay zoning, well and septic review, and parcel-line analysis are standard on Tehama files; typical project values run around $177K.
We size Tehama loans around realistic well/septic review timelines, parcel-line confirmation, and agricultural overlay zoning. Local pocket coverage includes Downtown Tehama, South Tehama, River Road corridor, Aramayo Way and adjacent Tehama submarkets.
Estimated local median: $177K · Typical loan range: $115K – $221K · Top program: DSCR rental and small commercial
Most Tehama private money loans we fund range from $115K to $221K, sized against an estimated local median around $177K. Loans outside that range are case-by-case based on parcel and scope.
For Tehama, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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