Hard Money Loans

Hard Money Loans in California

Fidelity Funding is a trusted hard money lender in California specializing in residential and commercial real estate loans. Based in Glendale, we provide fast, flexible financing options for property investors and business-purpose borrowers who need quick approvals without the strict requirements of traditional banks.

Unlike conventional lenders, we focus on the equity of your property rather than credit scores or tax returns. This allows us to close loans quickly—often within 5 to 7 days—helping investors secure opportunities and homeowners avoid foreclosure.

With direct access to private capital and in-house underwriting, Fidelity Funding delivers reliable funding solutions across Los Angeles, Orange County, San Diego, Riverside, San Bernardino, Ventura, and throughout California.

Our Hard Money Loan Programs

• Hard Money Purchase Loans – Fast funding to acquire investment property.

• Hard Money Refinance Loans – Tap into equity without bank restrictions.

• Cash-Out Loans – Unlock property value for business or investment use.

• Fix & Flip Loans – Up to 90% purchase + 100% rehab financing.

• Bridge Loans – Short-term financing while waiting for long-term funding.

• Commercial Hard Money Loans – Secure capital for retail, office, or mixed-use properties.

• Foreclosure Bailout Loans – Stop foreclosure and restructure debt quickly.

• Bankruptcy Bailouts – Specialized programs to help retain property.

• Seller Carry-Back Solutions – Creative financing for unique transactions.

• Land & Construction Loans – Acquire or build with flexible private funding.

• Long-Term Hard Money Financing – Extended terms up to 60 months.

Lien Positions

• First Trust Deeds

• Second Trust Deeds

• Third Trust Deeds (case by case)

Loan Amounts

• Starting at $50,000

• California-based loans of all sizes

• Nationwide considered for loans $1,000,000+

Occupancy Criteria

• Owner-Occupied (Business Purpose Only)

• Non-Owner Occupied / Investment Properties

• Second Homes

Loan Terms & Guidelines

• Loan-to-Value (LTV): Up to 70% (75% case by case)

• After-Repair Value (ARV): Up to 85%–90% + 100% rehab funds

• Rates: Starting at 6.99% interest-only

• Terms: 12 to 60 months

• Funding Speed: Close in 5–7 days with streamlined approval

Why Choose Fidelity Funding as Your Hard Money Lender?

•  Fast Closings – Close in as little as 5–7 days.

•  High LTV Financing – Up to 90% fix & flip, 75% cash-out refi.

•  Flexible Programs – Purchase, refinance, rehab, bridge, foreclosure bailout.

•  All Property Types – Residential, multifamily, commercial, land.

•  Investor-Friendly Terms – 2nd & 3rd trust deeds, no prepayment penalties*.

•  Local Expertise – Serving borrowers across California with decades of experience.

At Fidelity Funding, we understand that time is money in real estate. That’s why we provide hard money loans in Los Angeles designed for speed, flexibility, and reliability. Whether you’re looking for a fix and flip loan, a foreclosure bailout, or a commercial hard money loan, our team delivers the capital you need—often in as little as 5 days.