Fidelity Bancorp Funding (FBF) is an Orange County-based direct lender specializing in asset-based and interim financing for real estate investors. 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 $9 Billion in loans.



Property Geographic Area Details

California only

Loan Amounts

$75,000 to $10,000,000

Interest Rates

7.99% to 10.00%

Max Loan-To-Value


Max Loan-To-Cost


Origination Fees

1.00% to 2.50%

Loan Terms

6 months to 24 months

Lien Position

  • 1st
  • 2nd

Loan Purpose

  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Business Working Capital
  • Value Add Project
  • Development Project

Property Occupancy

  • Vacant
  • Tenant Occupied 100%
  • Owner Occupied Commercial
  • Owner Occupied Residential

Property Types and Loan Types

Collateral Types

  • Residential Property
  • Commercial Property

Property Types

  • 2-4 Units Residential
  • Assisted Living Facility
  • Hotel
  • Industrial
  • Mixed-Use
  • Multifamily
  • Office
  • Portfolio of Commercial Properties
  • Portfolio of Residential Properties
  • Retail
  • Senior Housing
  • Single Family Residence
  • Storage Facility
  • Student Housing

Loan Types

  • Private Money
  • Hard Money
  • Commercial Bridge
  • Residential Bridge

Specialty Loan Types

  • 2nd Mortgage Equity Cash Out
  • Reverse 1031 Exchange
  • Partner Buyout
  • Primary Residence Bridge
  • Primary Residence Business Purpose Cash Out
  • Residential Non-Prime

Junior Liens

Junior Lien Loan Amounts

$75,000.00 to $5,000,000.00

Junior Lien Interest Rates

9.50% to 13.50%

Junior Lien Loan-to-Value


Junior Lien Loan-to-Cost


Junior Lien Origination Fees

1.50% to 3.00%

We Fund Junior Position Loans


Junior Lien Types

  • Purchase
  • Refinance
  • Equity Cash Out

Purchase Loan

Max Loan-To-Purchase Price


Borrower Must Have Property Under Contract


Will Provide Proof of Funds Letter


Will Consider Lending on Purchase from Auction


Allowed Source of Borrower’s Equity

  • Own Cash
  • Partner
  • Equity in Another Investment Property
  • Equity in Primary Residence
  • Family

Details and Requirements

Typical Closing Time (Days)


Fastest Closing Time (Days)


Works With

  • Brokers
  • Borrowers

Payment Structure

  • Interest Only

Pre Payment Penalty


Will lend to a foreign national


Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage


Will Consider Collateralizing Multiple Properties in One Loan


Will Consider Equity Joint Venture


Borrower Entity Types Considered

  • Individual(s)
  • LLC
  • Limited Partnership
  • Trust
  • Corporation
  • Non-Profit Corporation
  • Self-Directed IRA

Documentation Required

  • Credit Report
  • Bank Statements
  • Loan Application

Personal Guaranty (Recourse) Required


Credit Check Required


Minimum Credit Score Required


Appraisal Required for Residential Property


Appraisal Required for Commercial Property


Broker Price Opinion (BPO) Accepted for Residential Property


Broker Price Opinion (BPO) Accepted for Commercial Property



Deposit Required

$500.00 to $5,000.00

Deposit will depend on transaction and property type.

Fees which are mandatory for all new borrower clients

  • Multi-Purpose Lender Fee
  • Processing Fee
  • Documents Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee
  • Credit Report Fee
  • Extension Fee

Fees which are charged upfront prior to loan closing

  • Deposit

Fees which are paid to a third party company

  • Documents Fee
  • Appraisal Fee
  • Escrow Fee
  • Title Fee

Legal Disclaimer

LIABILITY DISCLAIMER: FIDELITY BANCORP FUNDING STRIVES TO MAKE SURE THAT THE INFORMATION ON ITS WEBSITE IS ACCURATE, BUT INACCURACIES OR ERRORS CAN OCCUR. YOU USE THIS WEBSITE AT YOUR OWN RISK. FIDELITY BANCORP FUNDING RESERVES THE RIGHT TO CHANGE OR MODIFY THE CONTENT ITS PROFILE AT ANY TIME WITH OR WITHOUT NOTICE. YOUR CONTINUED USE OF THE WEBSITE CONSTITUTES YOUR ACCEPTANCE OF SUCH MODIFIED TERMS. THIS WEBSITE PROFILE AND ALL OF THE INFORMATION CONTAINED THEREIN ARE PROVIDED “AS IS.” FIDELITY BANCORP FUNDING DISCLAIMS ANY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANYTHING WHATSOEVER RELATING TO THIS PROFILE AND ANY INFORMATION PROVIDED HEREIN, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. FIDELITY BANCORP FUNDING IS NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY THE USE OF THIS WEBSITE AND/OR THE CONTENT LOCATED THEREON, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS CONDUCT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER CAUSE OF ACTION. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. INDEMNIFICATION/LEGAL RELIEF You agree to indemnify and hold Fidelity Bancorp Funding harmless from and against any and all loss, cost, damage, or expense including, but not limited to, reasonable attorneys’ fees incurred by Fidelity Bancorp Funding arising out of any action at law or other proceeding necessary to enforce any of the terms, covenants or conditions of the Agreement or due to your breach of this Agreement. GOVERNING LAW AND VENUE This Agreement shall be governed by the laws of the State of California. You hereby consent and voluntarily submit to personal jurisdiction in the State of California, in and by the courts of the State of California in San Diego County and the United States District Court for the Southern District of California, in any action in which a claim is brought with respect to this Agreement, and you agree that it may be served with process in any such action by hand delivery, courier, overnight delivery service, or certified or registered mail, return receipt requested. You irrevocably and unconditionally waive and agree not to plead, to the fullest extent permitted by law, any objection that it may now or hereafter have to the laying of venue or the convenience of the forum for any action or claim with respect to this Agreement brought in the United States District Court for the State of California or the courts of San Diego County. MISCELLANEOUS This Agreement embodies the entire agreement between the parties and may not be amended, modified, altered or changed in any respect whatsoever except by a writing duly executed by the parties hereto. This Agreement supersedes any and all prior and contemporaneous oral or written agreements or understandings between you and Fidelity Bancorp Funding. No representation, promise, inducement or statement of intention has been made by you and Fidelity Bancorp Funding that is not embodied in this Agreement. You and Fidelity Bancorp Funding shall not be bound by, or liable for, any alleged representation, promise, inducement, or statement of intention not contained in this Agreement. A printed version of this Agreement shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You agree that each provision of this Agreement shall be construed independently of any other provision of this Agreement. The invalidity or unenforceability of any particular provision of this Agreement shall not affect the other provisions hereof. In the event any provision of this Agreement is deemed unenforceable, including, but not limited to, the liability disclaimers above, the unenforceable provision shall be replaced with an enforceable provision that most closely reflects the intent of the original provision.

Additional Details

Extension options are available. Rates and terms are subject to change. Rates and terms are based on property type, location, and borrower strength.

As an established residential and commercial mortgage company based in Southern California, with offices in the heart of Orange County, we have closed over $9 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 26 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.


CA DRE Lic. 01298221, NMLS ID 268792

Company Size (Number of Employees)


Year Established


Office Locations

Fidelity Bancorp Funding
600 City Parkway West Suite 200, Orange, California 92868

Primary Capital Source

  • Own Funds

Loan Structure for Majority of Loans

  • Own Balance Sheet

Company’s Other Business Activities Besides Private Mortgage Lending

  • Commercial Mortgage Brokerage
  • Residential Mortgage Brokerage
  • Commercial Real Estate Investing
  • Residential Real Estate Investing

Percentage of Loans Secured by Commercial Property


Percentage of Loans Secured by Residential Property


Percentage of Residential Property Loans Which are Fix and Flip


Percentage of Residential Property Loans Which are Owner-Occupied


Total Number of Loans Funded to Date


Total Loan Volume Funded to Date


2018 Loan Volume Funded


Kevin Kiser

Senior Loan Officer

License Information
CA DRE License - 01980499
NMLS - 1427457

William Sonsma


License Information
CA DRE Broker License - 01100356
NMLS - 236082

Completed Transactions

Loan Request

Short Description of your Loan Request or Property Address

This information is about yourself, not the subject property.


At the end of the form you can enter the additional properties.

(temp use, storage, billboard, parking, etc.)


Requested loan amount divided by the purchase price + rehab/construction costs


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


(temp use, storage, billboard, parking, etc.)


Requested loan amount divided by the purchase price + rehab/construction costs


If Borrower is not seeking additional funds for the renovation, change the Loan Type to Purchase or Acquisition.


how will the loan be paid off?


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Add links to photos here.

Photo Link

Add links to documents, photos, etc.

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