The heart of Silicon Valley, Santa Clara County is one of the most affluent and competitive real estate markets globally. Driven by the tech industry, property values are exceptionally high, demanding lenders who are comfortable deploying significant capital rapidly.
Fidelity Funding offers premium hard money solutions for Santa Clara County investors. We understand the nuances of the Bay Area market and provide the high-dollar bridge loans, construction financing, and fix-and-flip capital necessary to execute projects in San Jose, Palo Alto, and surrounding tech hubs.
Standard suburban product in Santa Clara County accounts for the bulk of our local volume — the median is around $1.5M and fix-and-flip deals here close on schedule.
Typical Santa Clara County deals close in 5 to 7 business days with a straight bridge loan plus rehab line and exit to a retail FHA or conventional buyer.
County median home value: $1.5M · Typical loan range: $900K – $2.1M · Top program: fix-and-flip and DSCR rental
Across Santa Clara County, our typical private money loans range from $900K to $2.1M, sized against a county median of $1.5M. Larger commercial and multifamily scenarios are sized separately.
In Santa Clara County, fix-and-flip and DSCR rental make up the majority of our volume. We also fund bridge, construction, commercial real estate, and DSCR rental scenarios county-wide.
We regularly fund multi-million dollar transactions and have the capacity to fund loans exceeding $25M+ for the right asset.
Not necessarily. Rates are based on leverage (LTV/LTC), borrower experience, and overall risk profile, not just the loan amount.
Yes, we provide commercial bridge loans for office and R&D facilities across Santa Clara County.
Yes, utilizing equity in other properties is a common strategy for our high-net-worth borrowers in the Bay Area.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT