Reliable Direct Private Lender for Investment Real Estate
Fidelity Bancorp Funding (FBF) is a Nationwide direct lender specializing in asset-based and interim financing for commercial and residential investment properties. FBF offers a quick and easy loan process with stated income and asset loans, all with ONE signature. We understand that investors need to capitalize quickly on market opportunities. That is why we have funded over $11 Billion in loans.
- Core Commercial Properties & Residential Investment Properties
- Some specialty property types considered – assisted living, hotels, storage facilities
- Rehab & Value-Add Funding: 75% LTP plus 100% LTC
- Loan terms up to 3 years
- No prepayment penalty
Please Note: We do not offer loans for owner-occupied homes, vacant land or ground-up construction.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Commercial Value-Add
Property Types
- 2-4 Units Residential
- Assisted Living Facility
- Bed and Breakfast
- Commercial Condominium
- Condominium
- Healthcare
- Hotel
- Industrial
- Mixed-Use
- Mobile Home Park
- Multifamily
- Office
- Portfolio of Commercial Properties
- Portfolio of Residential Properties
- Retail
- Senior Housing
- Single Family Residence
- Storage Facility
- Student Housing
Loan Types
- Commercial Bridge
- Commercial Property Value Add
Specialty Loan Types
- Luxury Homes
- Partner Buyout
- Primary Residence Business Purpose Cash Out
- Residential Non-Prime
- Reverse 1031 Exchange
Max Loan-to-Purchase Price
75%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Another Investment Property
- Equity in Primary Residence
- Family
Experience Required
yesMinimum Number of Value-Add Projects Completed by Borrower
1Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Maximum After Repair Value
75.00%Deposit Required
Deposit will depend on transaction and property type.
Fees which are mandatory for all new borrower clients
- Deposit
- Multi-Purpose Lender Fee
- Processing Fee
- Documents Fee
- Appraisal Fee
- Escrow Fee
- Title Fee
- Credit Report Fee
Fees which are paid to a third party company
- Documents Fee
- Appraisal Fee
- Escrow Fee
- Title Fee
Get In Touch
Stay Informed About Private Lending

As an established commercial and residential mortgage lender based in Southern California, we have closed over $11 billion nationwide. Your investments can shape your world. We understand this. Every aspect of your funding with Fidelity Bancorp has been tailored to meet your needs. With over 20 years in the industry, we appreciate how important your investment portfolio is to your future. Our unmatched team brings together the best of knowledge, resources and partnerships that lead to a winning combination. Our ability to provide a one-stop solution under one roof distinguishes us from other lending solutions.
We’ve worked hard to earn an outstanding reputation as a company who delivers. We understand the challenges you face in differentiating between the variety of lending options and utilizing them the best way to achieve your goals. It’s not a simple task, but at Fidelity Bancorp Funding, we simplify the process. We guide you confidently through the process and close your loan smoothly – protecting you from common pitfalls. Whether it’s doing our utmost to exceed your expectations and keep you posted throughout, so you can be assured of personal attention. Our approach works, and we’re not the only ones who think so.
Office Locations
Fidelity Bancorp Funding1551 N. Tustin Ave., Suite 700, Santa Ana, California 92705
Our Team
Derek Dean (949) 533-6262
Vice President - Capital Markets
CA DRE Broker License - 959443
NMLS - 335334
William Sonsma
President
CA DRE Broker License - 01100356
NMLS - 236082
Get In Touch
Stay Informed About Private Lending

Our Minimum Loan Amount Is
$500,000
What We Do
- Investment Properties Nationwide
- Purchase, Refi, and Rehab Loans
- LTV/LTP Up to 75%
- 25% Cash Required for Purchase
- Never charge a prepayment penalty
Not Available
- NO 100% Financing
- NO Land Loans
- NO Ground-Up Construction
- NO Consumer Purpose Loans
- NO Cannabis-Use Properties
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact This Lender
Contact Fidelity Bancorp Funding by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.