FIDELITY FUNDING (877) 300-3007

Hard Money Loans in San Mateo County

Bridging San Francisco and the heart of Silicon Valley, San Mateo County commands some of the highest real estate valuations in the nation. Driven by biotech and major tech headquarters, the demand for premium, modernized housing is relentless.

Fidelity Funding provides the substantial capital required to compete in San Mateo County. Whether you are executing a tear-down and rebuild in Atherton or updating a mid-century home in San Mateo for tech executives, our high-balance private money loans are designed for speed and flexibility.

San Mateo County Market Brief

Financing in San Mateo 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.

San Mateo County Lending Notes

  • Confirm property value using current comparable sales
  • Review the scope, budget, permits, and timeline
  • Discuss loan terms and repayment options with a loan officer

Illustrative property reference: $1.4M · Illustrative financing range: $840K – $1.96M · 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.

San Mateo County Lender FAQs

How are loans sized in San Mateo County?

Loan amounts depend on the specific property's value, costs, and underwriting. The $840K to $1.96M range shown here is a model illustration, not a record of funded loans or a current quote.

Which programs can I discuss for San Mateo County?

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.

Key Facts

  • Jumbo hard money loans for luxury properties
  • Ground-up construction financing
  • High LTC for premium renovations
  • Bridge capital for life science and tech office
  • DSCR loans for high-rent portfolios
  • Fast closings to beat all-cash offers

Frequently Asked Questions

Do you fund multi-million dollar spec builds?

Yes, we specialize in high-balance construction loans for luxury spec homes in affluent Peninsula communities.

Are appraisals difficult for luxury flips?

We utilize specialized appraisers who understand the nuanced valuations of San Mateo County's micro-markets.

Can I use equity in another property to secure a loan?

Yes, cross-collateralization is a common strategy we offer to our high-net-worth borrowers.

Do you finance commercial biotech spaces?

We provide commercial bridge loans for R&D and flex spaces throughout the Peninsula.

Get a California Term Sheet Today

Fidelity Funding Corp · Direct California private money lender since 2006

(877) 300-3007

450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT

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