Humboldt County anchors California's North Coast, roughly 136,000+ residents living among towering redwoods, rugged Pacific coastline, and the working towns of Eureka, Arcata, Fortuna, and McKinleyville. Cal Poly Humboldt (formerly HSU) in Arcata drives student and staff rental demand, while timber, fishing, healthcare, tourism, and the region's ongoing economic transition shape the market. The median home value near $425,000 keeps Humboldt among the more affordable coastal counties in the state, with a deep supply of historic Victorians and older housing in Eureka's iconic districts. Investors focus on value-add flips of aging homes, student and workforce rentals around Arcata, and small multifamily in the Eureka-Arcata corridor.
Fidelity Funding Corp is a direct California hard money lender operating since 2006, and Humboldt's affordability, historic housing stock, and university demand create real value-add opportunity. We close fix-and-flip, bridge, DSCR, construction, and small commercial loans in 5 to 10 business days, lending our own capital on loans from $50K to $50M at rates from 9.99% with leverage up to 90% of cost plus 100% of rehab. Whether you're restoring a Eureka Victorian, adding rentals near Cal Poly Humboldt, or bridging a Fortuna acquisition, we underwrite quickly and fund with certainty even in this more remote market. Call (877) 300-3007.
Financing in Humboldt County requires a property-specific review. County-wide reference figures cannot substitute for recent comparable sales, an appraisal, or a contractor's scope and budget.
Check the relevant city or county planning department for permit, zoning, and rental requirements. Financing terms depend on underwriting and program availability.
Illustrative property reference: $425K · Illustrative financing range: $255K – $595K · Programs to discuss: fix-and-flip and DSCR rental
These model-generated examples are not current market data, appraisals, funded-loan statistics, or a loan offer. Request property-specific underwriting and current terms.
Loan amounts depend on the specific property's value, costs, and underwriting. The $255K to $595K range shown here is a model illustration, not a record of funded loans or a current quote.
Programs to discuss include fix-and-flip and DSCR rental. Eligibility for bridge, construction, commercial real estate, and DSCR rental financing depends on your property and loan scenario.
Yes. We fund throughout California, including Humboldt County. As a direct lender we underwrite each deal on its merits and property value, so a more remote location doesn't stop us from closing when the numbers work.
We do. Eureka's historic housing stock is well suited to value-add restoration, and we can lend up to 90% of cost plus 100% of rehab and 75% of after-repair value, giving you the capital to buy and renovate in one loan.
They can be. The Arcata student and staff population supports steady occupancy, and our DSCR loans qualify on rental income rather than tax returns, which fits investors building a North Coast rental portfolio.
Usually 5 to 10 business days once we have the contract, a value opinion, and your documents. Rates start at 9.99% on loans from $50K to $50M. Call (877) 300-3007 to get started.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT