Reliable Direct Private Lender for California Real Estate

Fidelity Bancorp Funding (FBF) is an Orange County-based 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 $9 Billion in loans.

Please note: We do NOT offer loans for land or ground-up construction.

Property Geographic Area Details

California only

Loan Amounts

$500,000 to $10,000,000

Interest Rates

8.50% to 10.00%

Max Loan-To-Value

65%

Max Loan-To-Cost

70%

Origination Fees

1.00% to 2.50%

Loan Terms

6 months to 24 months

Lien Position

  • 1st

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

    Specialty Loan Types

    • Reverse 1031 Exchange
    • Partner Buyout
    • Primary Residence Business Purpose Cash Out
    • Residential Non-Prime

    Purchase Loan

    For property acquisitions, borrower must have a 35% cash down payment or sufficient equity in another property that we can cross-collateralize.

    Max Loan-To-Purchase Price

    65%

    Borrower Must Have Property Under Contract

    no

    Will Provide Proof of Funds Letter

    yes

    Will Consider Lending on Purchase from Auction

    yes

    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)

    10

    Fastest Closing Time (Days)

    3

    Works With

    • Brokers
    • Borrowers

    Payment Structure

    • Interest Only
    • Interest Reserve

    Pre Payment Penalty

    no

    Will lend to a foreign national

    no

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

    no

    Will Consider Collateralizing Multiple Properties in One Loan

    yes

    Will Consider Equity Joint Venture

    no

    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

    Always

    Credit Check Required

    yes

    Minimum Credit Score Required

    600

    Appraisal Required for Residential Property

    Sometimes

    Appraisal Required for Commercial Property

    Sometimes

    Broker Price Opinion (BPO) Accepted for Residential Property

    Never

    Broker Price Opinion (BPO) Accepted for Commercial Property

    Never

    Fees

    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

    • Deposit
    • 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 $10 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.

    License

    CA DRE Lic. 01298221, NMLS ID 268792

    Company Size (Number of Employees)

    25

    Year Established

    1992

    Office Locations

    Fidelity Bancorp Funding
    1551 N. Tustin Avenue, Santa Ana, California 92705

    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

    70%

    Percentage of Loans Secured by Residential Property

    25%

    Percentage of Residential Property Loans Which are Fix and Flip

    5%

    Percentage of Residential Property Loans Which are Owner-Occupied

    10%

    Total Number of Loans Funded to Date

    20000

    Total Loan Volume Funded to Date

    $1,000,000,000

    2018 Loan Volume Funded

    $750,000,000

    2019 Number of Loans Funded

    300

    2019 Loan Volume Funded

    $800,000,000

    Kevin Kiser

    Senior Loan Officer

    License Information
    CA DRE License - 01980499
    NMLS - 1427457

    William Sonsma

    President

    License Information
    CA DRE Broker License - 01100356
    NMLS - 236082

    Completed Transactions

    Fidelity Bancorp Funding

    Private Loan Funding
    Santa Monica , CA
    $1,000,000
    Office

    Refinance

    Fidelity Bancorp Funding

    Private Loan Funding
    Los Angeles, CA
    $1,000,000
    Retail

    Equity Cash Out

    Fidelity Bancorp Funding

    Private Loan Funding
    Long Beach , CA
    $1,290,000
    Multifamily

    Purchase

    Fidelity Bancorp Funding

    Private Loan Funding
    Long Beach , CA
    $3,000,000
    Multifamily

    Purchase

    Fidelity Bancorp Funding

    Private Loan Funding
    Costa Mesa , CA
    $1,125,000
    2-4 Units Residential

    Refinance

    Fidelity Bancorp Funding

    Private Loan Funding
    Los Angeles , CA
    $2,550,000
    Single Family Residence

    Refinance

    Fidelity Bancorp Funding

    Private Loan Funding
    Rancho Santa Fe, CA
    $3,375,000
    Single Family Residence

    Purchase

    Fidelity Bancorp Funding

    Private Loan Funding
    San Bernardino, CA
    $162,000
    Single Family Residence

    Purchase

    Fidelity Bancorp Funding

    Private Loan Funding
    Downey, CA
    $1,933,750
    Multifamily

    Purchase

    Fidelity Bancorp Funding

    Private Loan Funding
    Fullerton, CA
    $870,000
    2-4 Units Residential

    Purchase

    Before You Contact Us

    Our Minimum Loan Amount Is

    $500,000

    What We Do

    • Investment Properties in California
    • Purchase & Refinance Bridge Loans
    • LTV Up to 70%
    • 30%+ Cash Required for Purchase

    Not Available

    • NO 100% Financing
    • NO Land Loans
    • NO Ground-Up Construction
    • NO Consumer Purpose Loans

    Loan Request

    Short Description of your Loan Request or Property Address

    This information is about yourself, not the subject property.

    $
    %
    months

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

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

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    $
    $
    $
    $
    $
    $
    %

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

    $
    %
    $
    $
    %

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

    $
    $
    $
    $
    $
    $
    $
    %

    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?

    acres

    Add links to photos here.

    1
    1
    acres

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