Plumas County sits high in the northern Sierra Nevada, roughly 19,000+ residents scattered across Quincy, Portola, Chester, and the recreation communities around Lake Almanor. Its economy leans on outdoor recreation and tourism, timber, the Feather River Canyon corridor, and public-sector employment, with Lake Almanor drawing seasonal visitors and second-home owners. The median home value near $340,000 keeps this remote mountain county affordable, though wildfire has heavily affected parts of the region, spurring both rebuilding and shifts in the housing market. Investors work value-add flips of older mountain homes, cabin and vacation rentals around Lake Almanor, ground-up rebuilds on cleared lots, and small commercial in Quincy and the county's small towns.
Fidelity Funding Corp is a direct California hard money lender operating since 2006, and we lend in remote mountain counties like Plumas that many lenders overlook. As a direct lender we close fix-and-flip, bridge, DSCR, construction, and small commercial loans in 5 to 10 business days, using 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 financing a Lake Almanor cabin rental, flipping a Quincy home, or rebuilding on a fire-cleared lot, we underwrite the deal on its merits and fund with the certainty that's rare this far into the mountains. Call (877) 300-3007.
Financing in Plumas 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: $340K · Illustrative financing range: $204K – $476K · 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 $204K to $476K 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 remote northern Sierra counties. As a direct lender we underwrite each property on its own merits, so an isolated mountain location doesn't stop us from closing when the numbers work.
We do. We provide ground-up construction loans, including rebuilds on lots cleared by past fires, underwriting the completed value and funding up to 100% of the build budget on qualifying projects.
They are. Lake Almanor draws seasonal recreation and tourism, supporting vacation rental income. Our DSCR program qualifies on the property's rental performance rather than your tax returns.
Typically 5 to 10 business days. As a direct lender we control our own capital, so we can move quickly even in the northern Sierra. Rates start at 9.99%; call (877) 300-3007.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT