Blog

Fidelity Bancorp Funding Q1 2021 Market Report

Loan transactions remained robust in the first quarter of 2021, piggybacking off of the low interest rates, dwindling multifamily supply and enthusiastic buyers that emerged during the COVID-19 pandemic. INTEREST RATES STILL GARNER INTEREST This demand doesn’t show any signs of easing up. While interest rates have been inching up from their record lows in […]

Multifamily Bridge Loans

A multifamily bridge loan is a financial tool used by commercial property owners to bridge the gap between the instant they get the loan and the ability to immediately work on the property, which can be rehabilitation or stabilization prior to getting conventional long-term multifamily financing. Ideally, investors who need to close on a multifamily […]

2021 Multifamily Market Insights

According to CBRE Research and Newmark data, multifamily investments are anticipated to see continued growth and an anticipated full recovery by 2022, with an expected 33% increase in 2021 to $148 billion on a national level. This market segment showed strong resilience during the Covid pandemic, making the fourth quarter of 2020 the strongest on […]

Now Offering 4.90%, Close in As Little As 3 Days!

Loan Products: Acquisition, Rate and Term Refinance, Cash-Out RefinanceProperty Types: Conventionally Credit Worthy Commercial and Multifamily PropertiesLoan Amount: $10M+Max. LV: 60%Interest: 4.90%+Loan Term: 6 – 12 MonthsAmortization: Interest OnlyPrepayment: NoSecurity: First Deed of TrustLending Area: CA OnlyRecourse / Guarantee: NoLending Fees: 1 – 2 Pts All loans are subject to credit approval. Interest rates are subject […]

Webinar: Emotions are the enemy of wealth in real-estate – the difference between a salesperson and a business owner

Fidelity Bancorp Funding presents you with an exclusive webinar: Topic: Emotions are the enemy of wealth in real-estate – the difference between a salesperson and a business owner Speaker: David Halpern of Mastery Consulting When: 10:00 – 10:45 am on Monday, August 3rd, 2020 Where: Zoom link: https://us02web.zoom.us/j/87473792059  About the Speaker: David possesses the powerful, blended perspective of an […]

Multi-Family “Green Reward” Program Rates Starting At 2.83% 10-Yr Fixed

Fidelity Bancorp Funding’s Fannie Mae Multifamily suite of green financing solutions includes options for acquisition, refinance, and supplemental financing.Green Financing solutions create a “triple bottom line” by supporting increased cash flows, better quality housing, and reduced energy and water usage. Loan Benefits: Lower interest rate. Up to 5% more loan proceeds. Attract more investors with a Green […]

Broker & Referring Party Program

We welcome the opportunity to partner with Real Estate Professionals to serve your clients’ needs with quick and accurate real estate financing advice.  Your clients will enjoy low rates and a variety of loan types; Residential, Multi-Family, Commercial, SBA and Bridge Loans.  You benefit from our dedicated loan officers and in-house processing teams to close […]

Thank you to all the heroes working to save lives and keep our country safe during the pandemic.

We salute all healthcare workers, first responders, service and cleaning workers. If you’ve been financially affected by COVID-19, you’re not alone. We are offering financial solutions that could help you and our communities during this difficult time. Fidelity Bancorp Funding offers residential, multi-family, commercial, SBA and private money loan programs and real-estate financing advice. Whether […]

Buying, Refinancing, and Cashing Out Your Investment Property during COVID-19, a Good Opportunity in Strong Markets

IF THERE IS A WILL, THERE IS A WAY! Factors to consider when investing during the pandemic. Historically strong markets with fundamentally sound economy will recover faster than others. Great opportunities for investors are still out there for those who aren’t afraid to think outside the box. 1) Rental markets are strong – with high […]

STILL LENDING DURING COVID-19

STILL LENDING DURING COVID-19 We believe in you and we believe in this market Fidelity Bancorp Funding, we hope the message finds you and your family safe and healthy. We’re available if you need to discuss your loan options or just have questions in the housing market over the next few months. We are always […]

Why should I consider FBF for my bridge loan?

It’s our experience and capabilities of looking at the big picture to leverage your best financial real estate options. Our “Yes I Can” attitude allows us to provide bridge loans to clients and looking at the whole portfolio to ensure it’s the best fit. 5 Reason to choose FBF for my bridge loan? We first assess whether conventional […]

Fannie Mae Multi-family Closes 2019 with Record Volume of More Than $70 Billion

Fannie Mae (FNMA/OTCQB) provided more than $70 billion in financing to support multi-family market in  2019, the highest volume in the history of its Delegated Underwriting and Servicing (DUS®). We, Fidelity Bancorp Funding is proud to be a part of the success of Arbor Commercial Funding, LLC loan volume of $3.3 Billion TOP#10 Producers in […]

Fidelity Bancorp Funding Holiday Toy Drive

Fidelity Bancorp Funding is proud to partner with Accountemps (A Robert Half Company) to support the South County Outreach holiday Toy Drive, helping children in need this holiday season.  Since 1997, South County Outreach has been a leader in the fight to end hunger and homelessness in Orange County. William Sonsma, President & CEO of […]

MARKET NEWS: week of November 12th

Fannie Mae is out with its housing forecasts for 2020 expecting 30-year fixed rates will continue to fall, hitting 3.5% by the end of 2020, and home prices will rise about 4%. Fannie expects housing starts to be flat in 2020 compared to 2019 and anticipates origination volumes will fall to $1.86 trillion from $2.04 trillion as […]

Teamwork & Bowling at Fidelity Bancorp Funding

“Talent wins games, but teamwork and intelligence win CHAMPIONSHIPS.”….Michael Jordan The bonds that inspire teamwork take time to cultivate!  The whole team would like to express our gratitude to our management for being an inspiration to us.  Fidelity Bancorp Funding, we helped over 10K+ investors like you since 1990, $9 Billion+ Funded, Loans from $250K […]

Quality products supported by superior customer service

CUSTOMER THANK YOU NOTE to Pat Capocciama, Commercial Loan Officer at Fidelity Bancorp Funding Thank you for entrusting us with your real estate investment, and for taking a moment to recommend us to others.  Your kind words are greatly appreciated, and we hope you won’t hesitate to let us know if we can serve you […]

It really cheered us up, thank you for being an important part of our story.

We really appreciate our client thoughtfulness and for taking time out of her busy schedule to write us a ‘Thank You’ note. We are thrilled that we were able to be a part of our clients’ financial success. Fidelity Bancorp Funding – we build relationships with our clients that last.  Nothing is more rewarding than […]

¡Bienvenidos! Fidelity Bancorp Funding supporting young Hispanic youth

It is our pleasure to be part of a sponsor of the Orange County Hispanic Chamber of Commerce & the Orange County Hispanic Education Foundation 2019 Scholarship Golf Tournament (OCHCC EF/OCHCC). The Education Foundation is dedicated to developing and maintaining an educational relationship that empowers our youth not just from K-12, but beyond into a […]

Fidelity Bancorp Funding Team attends the 22nd Annual Western States CREF 2019

Our Loan Offices are attending the 22nd Annual Western States CREF 2019 at the Wynn Hotel, Las Vegas.  As we look into the future of our multi-family, residential 1-4 units and commercial real estate finance industry, we will take away insights and tips from their top speakers about how to stay ahead of the curve […]

AOA, the “Big Million Dollar Trade Show & Landlord Conference” Booth# 605 on Thursday, September 12, 2019

9 DAYS FROM TODAY! We want to see YOU there. Meet us @ booth #605 at the “Big Million Dollar Trade Show & Landlord Conference.” FREE real estate investment seminars will be presented on Thursday, September 12, 2019 at the Los Angeles Convention Center. You will be able to discover new investment strategies that will […]

In-N-Out Cookout trailer serves us today

It’s 84°F at Fidelity Bancorp Funding in Orange, CA. Thanks to management for delicious cheeseburgers, chips, drinks, DJ and music!  The In-N-Out Cookout trailer is serving us and employees here at 600 City Parkway W building.  If you’re looking for one of those “Places to work” , start here at Fidelity Bancorp Funding. Work life […]

Los Angeles Multi-Family Loan Closed – Multi-Family Funding Experts

The deal of the week is this newly renovated 7 Unit Multi-Family purchase located in Los Angeles, CA with an experience borrower. Questions about this deal please contact Ben directly! RECENTLY FUNDED TRANSACTION:  Los Angeles, CA Loan Amount: $739,000 Loan Purpose: Purchase Property Type: 7-Units Commercial Retail   For more information call: Ben Hernandez (714) […]

Fourplex – CASH OUT REFINANCE with no Pre Payment Penalty – Torrance

The borrower came to us to experience FBF’s best in class service in successfully closing complex loan transactions. This client was looking for a NO prepayment penalty loan, which we were able to fund successfully. Located in a vast area of Torrance, CA, this newly renovated four-plex was an excellent opportunity to leverage. The final […]

Multi Family Closed Deal in Monterey, CA

Featured property is located in a beautiful coastline city of California called Monterey. While the borrower was seeking a low LTV, he was referred to us for our experience in commercial real estate funding to overcome environmental issues they were facing. Our experience allowed us to create a full picture of the real estate opportunity […]

9 Unit Multi Family – CASH OUT REFINANCE $1,000,000

If you’d like us to evaluate a property deal for you, give us a call.  RECENTLY FUNDED TRANSACTION:  Los Angeles, CA Loan Amount: $1,000,000 Loan Purpose: Cash Out Refinance Property Type: 9 Unit Multi-Family      

Chicago Multi Family Specialist – Purchase

RECENTLY FUNDED TRANSACTION:  Chicago, IL Loan Amount: $620,000 Loan Purpose: Purchase Property Type: Multi-Family Property For more information call: Bobby Ramirez (310) 986-6450 EMAIL Bobby

Cash Out Refinance – Commercial Light Industrial Warehouse California

RECENTLY FUNDED TRANSACTION:  Bell Gardens, CA Loan Amount: $1,102,000 Loan Purpose: Cash Out Refinance Property Type: Commercial – Light Industrial Warehouse If you’d like us to evaluate a property deal for you, give us a call.  For more information call: Blaine Mengert (714) 908-5122 EMAIL Blaine

Multi Family Closed Deal with Stated Income in California

Multi Family deal closed with STATED INCOME! This recently renovated property located in Hawthorne, CA provided a good unit mix, along with big units. If you’d like us to evaluate a property deal for you, give us a call.  RECENTLY FUNDED TRANSACTION:  Hawthorne, CA Loan Amount: $775,000 Loan Purpose: Purchase Property Type: 5 Unit Multi-Family   […]

Join us in Celebrating Blaine and Robert’s 2 Yr Anniversary – Loan Officer Career

Fidelity Bancorp Funding is celebrating the 2 year work anniversary of Blaine Mengert and Robert Tudor. The 2 year work anniversary displays FBF’s commitment and focus in developing young talented individuals who aspire to have successful careers as trusted loan advisors. Both Blaine and Robert have made tremendous growth over the past few years and are off to a […]

The Suit Drive – Collection

Fidelity Bancorp Funding is partnering with Robert Half, staffing agency to collect donated suits.  Melissa with the suite drive will be at our offices on Friday to collect anything we may have to help someone not as fortunate. If you have any business appropriate old clothing that may not fit or is out dated, please […]

Monday Morning Meetings – Loan Officer Career Development

“Monday is a fresh start. It’s never too late to dig in and begin a new journey of success.” We have kicked off another great Monday here in the office at Fidelity Bancorp Funding. Each Monday, we offer a morning conversation to discuss the market, current trends, along with featured guest visitors to show us […]

Fidelity Bancorp Funding Meets with Freddie Mac in Orange County, CA

This morning some members of the team at Fidelity Bancorp Funding met with Ted Chen and his team from Freddie Mac. We are excited to have them spend some time with us and keep our team on top of the pulse of the market. While we aren’t able to delve more into the full nature […]

35 Day Hard Deadline to Meet 1031 Exchange Drop Dead Date – CLOSED

CLOSED! In addition to the appraisal coming in $800,000 below the purchase price, we had to meet a hard 35 day deadline for a 1031 exchange opportunity. Our borrowers leverage our experience in the industry to get the deal done. The master lease on the property is to a non-profit company operating a sober living […]

Multifamily Adjustable Rate Mortgage to a Fixed Rate – referral client

From Adjustable to Fixed Rate!  REFERRAL Featured borrower was previously unable to pull cash out due to strict underwriting guidelines with another company, and then was referred to work with us.  The Borrower was in the adjustable period of their loan; with uncertainty of future rate increases and inconsistency of an adjustable rate mortgage.  Robert […]

Commercial Property Refinance in Redlands – Out of SBA

Featuring a very strong borrower and excellent property. We were able to refinance the rate and the term that allowed the borrower out of an SBA.   If you’d like us to evaluate a property deal for you, give us a call.  RECENTLY FUNDED TRANSACTION:  Redlands, CA Loan Amount: $452,000 Loan Purpose: Refinance Property Type: […]

Los Angeles Multi Family Loan CLOSED

Adding to your investment portfolio.  Featured borrowers opted for a cash out refinance on this property, to then be able to purchase an additional investment property for their portfolio. If you’d like us to evaluate a property deal for you, give us a call.  RECENTLY FUNDED TRANSACTION:  Los Angeles, CA Loan Amount: $825,000 Loan Purpose: […]

Why You Should Check your Tax Bracket

No Surprises: Why You Should Check Your Tax Bracket Many taxpayers learned some tough lessons upon completing their 2018 tax returns regarding the changes brought forth by the Tax Cuts and Jobs Act (TCJA). If you were one of them, or even if you weren’t, now’s a good time to check your bracket to avoid any unpleasant surprises next April. Under […]

Long Beach Multi Family Loan CLOSED in 12 Days

Let’s talk about leveraging opportunity! Featuring a 7 Unit Multi-Family property in Long Beach, CA, where the borrower then registered 2 additional units with the city making the subject a 9 unit apartment building. At the beginning, the borrower was not able to qualify initially for a loan due to low income on a previous […]

Fidelity Teams Masters the Golf Course

This week some of the Fidelity Bancorp Funding golf team headed to the 20th Annual Tommy Bahama Pacific Coast Classic charity golf tournament. While at the beautiful Monarch Beach Golf Links, it was a great opportunity to network, enjoy the amazing southern California weather, in addition to benefitting Olive Crest – transforming the lives of […]

Hawthorne 6 Unit Multi Family Refinance Specialists Adjustable to Fixed

The deal of the week was a 6 Unit Multi-Family $600,000 refinance. Fidelity Bancorp Funding was able to help this borrower who’s loan was rolling over to an adjustable program. We were able to secure fixed rate financing for another 5 years. RECENTLY FUNDED TRANSACTION:  Hawthorne, CA Loan Amount: $600,000 Loan Purpose: Refinance Property Type: 6 Unit […]

California City 16 Unit Multi-Family Refinance – Lower Rate

The deal of the week was a 16 Unit Multi-Family $500,000 refinance. Fidelity Bancorp Funding was able to help a local Los Angeles Borrower with strong schedule of real estate across southern California seeking a lower rate and cash out. RECENTLY FUNDED TRANSACTION:  California City, CA Loan Amount: $500,000 Loan Purpose: Refinance Property Type: 16 Unit Multi-Family […]

Compton 6 Unit Commercial Retail – Marijuana Dispensary

The deal of the week was a 6-Units Commercial Retail. Even with experience in investment properties and strong financials, with one of the tenants being a marijuana dispensary, no conventional bank would lend on it. In addition, we were up against a tight timeline because the borrowers note was called due and payable. Fidelity Bancorp Funding successfully […]

Los Angeles 8 Unit Multi-Family Refinance Post Fire

The deal of the week was a 8 Unit Multi-Family $675,000 refinance. Fidelity Bancorp Funding was able to help borrower whose loan was reaching maturity would balloon within a few months.  Overcoming a fire the previous year which brought income down by 30%, the borrower was able to take cash out and recoup funds spent […]

Santa Barbara 12 Unit Multi Family Refinance Specialists – Out of Hard Money Loan

The deal of the week was a 12 Unit Multi-Family $3,010,000 refinance. Fidelity Bancorp Funding was able to help this borrower get out of his hard money loan with more stable financing. With the client happy with our service, we are now completing other loans for him. Do you have a loan you are looking […]

Georgia 27 Unit Cash Out Refinance Specialists

RECENTLY FUNDED TRANSACTION:  Loan Amount: $1,150,000 Loan Purpose: Cash Out Refinance Property Type: 27 Unit Multi-Family For more information call: Fidelity Bancorp Funding at (877) 585-FUND (3863)

William Sonsma Earns Lending Integrity Seal of Approval

FOR IMMEDIATE RELEASE Contact: William Sonsma President, Fidelity Bancorp Funding 714-908-5105 wsonsma@fbfloans.com William Sonsma Earns Lending Integrity Seal of Approval Achieves Status For Professionalism in the Mortgage Business ORANGE, CA – Fidelity Bancorp Funding today announced that William Sonsma has earned the Lending Integrity Seal of Approval from the National Association of Mortgage Brokers (NAMB). […]

Ugly Sweater Holiday Party – Who Won?

Special thanks to the staff who were around for this week’s Ugly Sweater Party. It was fun to see the creativity of the staff and enjoy the company of those around us this time of year. Thank you. We hope everyone has the opportunity to enjoy this holiday season. While your FBF rep may have […]

Los Angeles Multi-Family Refinancing

RECENTLY FUNDED TRANSACTION:  Loan Amount: $1,200,000 Loan Purpose: Refinance Property Type: 16 Unit Multi-Family OPPORTUNITY: Successfully closed a cash out refinance on this 16 Unit Multi-Family Residence in Los Angeles, CA. With LOW LTV, along with some deferred maintenance, we are able to close this deal for our borrower. For more information call: Fidelity Bancorp Funding […]

Inglewood Multi Family Refinance Specialists

RECENTLY FUNDED TRANSACTION:  Loan Amount: $800,000 Loan Purpose: Refinance Property Type: 17 Unit Multi-Family For more information call: Fidelity Bancorp Funding at (877) 585-FUND (3863)  

Non US Citizens Multi-Family Refinance Funding

RECENTLY FUNDED TRANSACTION:  Loan Amount: $2,250,000 Loan Purpose: Cash Out Refinance Property Type: 33 Unit Multi-Family OPPORTUNITY: 30-Year Fixed at 5%. Yes, that is correct. 30-year fixed at 5%! After talking with the principles on the transaction, they decided it was best for them to lock into a 30-year fixed to protect against a rising interest […]

$10 million 73 Unit Multi-Family Refinance Funding

RECENTLY FUNDED TRANSACTION:  Loan Amount: $10,050,000 Loan Purpose: Refinance Property Type: 73 Unit Multi-Family OPPORTUNITY: Two (2) Years of Interest Only Payments For more information call: Fidelity Bancorp Funding Team (714) 908-5100 EMAIL Fidelity

Commercial Purchase 1031 Exchange

RECENTLY FUNDED TRANSACTION:  Loan Amount: $2,500,000 Loan Purpose: Purchase Property Type: Commercial OPPORTUNITY: With a solid borrower and 35% down the timing was critical due to a 1031 exchange. For more information call: Fidelity Bancorp Funding at (877) 585-FUND (3863)

16 Unit Multi Family Cash Out Refinance

RECENTLY FUNDED TRANSACTION:  Loan Amount: $1,500,000 Loan Purpose: Cash Out Refinance Property Type: 16 Unit Multi-Family Property For more information call: Fidelity Bancorp Funding at (877) 585-FUND (3863)  

Commercial Unit – Real Estate Acquisition – 90%

RECENTLY FUNDED TRANSACTION:  Loan Amount: $4,450,000 Loan Purpose: Purchase Property Type: One Unit Commercial OPPORTUNITY: This was a business and real estate acquisition that we were able to get our borrower 90% LTV on a 5 year FIXED! For more information call: Fidelity Bancorp Funding at (877) 585-FUND (3863)

5 Unit Multi-Family Cash Out Refinance – Steve Canto

Loan Amount: $500,000 Loan Purpose: Cash Out Refinance Property Type: 5 Unit Multi-family Residence RECENTLY FUNDED TRANSACTION:  Opportunity: For this 5 unit Multi-family property, the borrowers are strong in addition to this investment asset being held for long time. They received cash out, loan amount, refinancing at end of previous fixed term along with a lower rate. For […]

Shoshone Multifamily Purchase Financing

RECENTLY FUNDED TRANSACTION:  Loan Amount: $875,000 Loan Purpose: Purchase Property Type: Multi-Family Residence For more information call: Fidelity Bancorp Funding at (877) 585-FUND (3863)  

Multi Tenant Retail Financing Alabama

RECENTLY FUNDED TRANSACTION:  Loan Amount: $1,430,000 Loan Purpose: Purchase Property Type: Multi-tenant Retail For more information call: Rick Padilla –  (310) 420-9066 EMAIL Rick  

Retail Commercial Property Financing Georgia

RECENTLY FUNDED TRANSACTION:  Loan Amount: $975,000 Loan Purpose: Purchase Property Type: Retail/Commercial For more information call: Fidelity Bancorp Funding at (877) 585-FUND (3863)  

Commercial Owner-User Purchase Financing – California

RECENTLY FUNDED TRANSACTION:  Loan Amount:  $1,312,000 Loan Purpose: Purchase Property Type: CommercialOwner-User Building For more information call: Matt Brown – (714) 908-5293 EMAIL Matt  

Hotel Property Refinance – Los Angeles

RECENTLY FUNDED TRANSACTION:  Loan Amount:  $1,100,000 Loan Purpose: No Cash Out Refinance Property Type: Hotel For more information call: Fidelity Bancorp Funding (877) 585-FUND EMAIL Fidelity  

$2,200,000 30 Unit Multi-Family Purchase – Multi-Family Financing

RECENTLY FUNDED TRANSACTION:  Loan Amount: $2,200,000 Loan Purpose: Purchase Property Type: 30 Unit Multi-Family For more information call: Ben Hernandez (714) 908-5141 EMAIL Ben  

22 Unit Lake Elsinore Multi Family Financing

RECENTLY FUNDED TRANSACTION:  Loan Amount: $1,200,000 Loan Purpose: Purchase Property Type: Multi-Family 22 (8+14) Units For more information call: Matt Brown (714) 908-5293 EMAIL Matt  

Mixed Use Financing California

RECENTLY FUNDED TRANSACTION:  Loan Amount: $2,461,000 Loan Purpose: Cash Out Refinance Property Type: Mixed Use – 12 Apts. & 10 Retail Units For more information call: Matt Brown (714) 908-5293 EMAIL Matt  

Cash Out Refinance on 16 Unit Multi-Family in Stockton

RECENTLY FUNDED TRANSACTION:  Loan Amount: $828,750 Loan Purpose: Cash Out Refinance Property Type: 16 Unit Multi-Family OPPORTUNITY: Recent purchase acquisition a little over a year ago with great upside in rents. With a lot of improvements complete, along with the new tenants paying higher rents, we saw a value  increase.  In conclusion, our borrowers were able […]

Cash Out Refinance on 8 Unit Multi-Family in Long Beach

RECENTLY FUNDED TRANSACTION:  Loan Amount: $1,065,000 Loan Purpose: Cash Out Refinance Property Type: 8 Unit Multi-Family OPPORTUNITY: We were able to complete this loan while overcoming low liquidity. For more information call: Kevin Kiser (714) 908-5271 EMAIL Kevin

Commercial Owner-User Building Purchased – Riverside

RECENTLY FUNDED TRANSACTION:  Loan Amount: $711,000 Loan Purpose: Purchase Property Type: Commercial: Owner-User For more information call: Matt Brown (714) 908-5293 EMAIL Matt  

Cash Out Refinance Less Than A Year Later At NEW Appraised Value!

Loan Amount: $828,750 Loan Purpose: Cash Out Refinance Property Type: 16 Unit Multifamily Residence RECENTLY FUNDED TRANSACTION:  Opportunity:Recently closed cash-out refinance completed for a client in Central CA. The client recently acquired the property in an all cash transaction less than a year ago for $625,000. I was able to provide the client with a 65% LTV based […]

TCJA Draws a Silver Lining Around the Individual AMT & Study Up on the Tax Advantages of a 529 Savings Plan

TCJA Draws a Silver Lining Around the Individual AMT The Tax Cuts and Jobs Act (TCJA) didn’t eliminate the individual alternative minimum tax (AMT). But the law did draw a silver lining around it. Revised rules now lessen the likelihood that many taxpayers will owe substantial taxes under the AMT for 2018 through 2025. Parallel […]

Borrower Rejected 7 Times Before We Closed $2.8 Million Dollar Refinance – Recently Funded – Top Rated Orange County Mortgage Company

Loan Amount: $2,800,000 Loan Purpose: Cash Out Refinance Loan Program: 7 Year Fixed Property Type: 38 Unit Multifamily Residence RECENTLY FUNDED TRANSACTION:  Opportunity: Borrower had been to 7+ banks before being referred to work with us directly to get his deals done. The property was previously purchased all cash and then we refinanced it just one month later. […]

2 Million Dollar Non Recourse Multi Family Loan – Recently Funded – Top Rated Orange County Mortgage Company

Loan Amount: $2,015,000 Loan Purpose: Cash Out Refinance Property Type: Multifamily Residence RECENTLY FUNDED TRANSACTION:  Opportunity: We were able to get the client over $1MM in net proceeds to recoup renovation costs.  Even though the property was still being partially renovated we were able to get the client a non-recourse loan, on a limited doc […]

Watsonville Non Recourse Multi Family Loan – Recently Funded

RIVERSIDE, CA Loan Amount: $1,771,000 Loan Purpose: Purchase Property Type: Multifamily Residence RECENTLY FUNDED TRANSACTION: Riverside, CA Opportunity: First time apartment investors looking to acquire a newly constructed 10 unit apartment in Watsonville, CA. We were able to overcome the asset being in a small market and the borrowers being a first time investor to […]

Salinas Cash Out Refinance $2 million – Recently Funded

RECENTLY FUNDED TRANSACTION: Salinas, CA Loan Amount: $2,210,000 Loan to Value: 85% Loan Purpose: Cash Out Refinance Property Type: 10 Acre-Mixed Use Agricultural Opportunity: Borrower’s business is strong with increasing revenue. Unique property consisting of residential space (mobile homes and house), horse arena, commercial space (warehouses), and agricultural space (greenhouses). Borrower currently resides in a hard […]

Long Beach Multi Family Loan – Recently Funded – QUICK CLOSE

RECENTLY FUNDED TRANSACTION: Long Beach, CA Loan Amount: $835,000 Loan to Value: 54.242% Loan Purpose: Purchase Property Type: Multifamily Residence Opportunity: Borrower is very strong with a lot of experience especially with “value-add” properties like this one. The program offered two years of interest only which will help with the buyers’ cash flow while they […]

Riverside Multi Family Loan – Recently Funded

RECENTLY FUNDED TRANSACTION: Riverside, CA Loan Amount: $1,375,000 Loan Purpose: Purchase Property Type: Multifamily Residence Opportunity: This property currently has great cash flow and is in a quiet safe neighborhood located in Riverside, CA. In addition to the current strong cash flow, this property still has some room for improvements and an upside in rents […]

Oregon Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Gresham, Oregon Loan Amount: $1,995,000 Loan to Value: 75% Loan Purpose: Cash Out Refinance Property Type: 24 Unit Multi-Family Property Opportunity: This 24 unit property had seen an increase in their rents in addition to the immediate neighborhood. With the borrower in a stable market, there was no strong downside to the property and […]

Pomona Mixed Use Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Pomona, CA Loan Amount: $232,000 Loan to Value: 70% Loan Purpose: No Cash Out Refinance Property Type: Mixed Use Opportunity: This mixed use purchase in Pomona, Ca includes 2 units owner-user. Located in an ideal area of Pomona, along with the client provided extensive experience in his industry, allowed this client to better his […]

Commercial Light Manufacturing Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Stanton, CA Loan Amount: $843,000 Loan to Value: 84.724% Loan Purpose: Purchase Property Type: Commercial Light Manufacturing Opportunity: Closed loan in 30 days! As a repeat client, in addition to being an experienced buyer, we were able to secure a 84.724%LTV with no mortgage insurance in a non SBA program. For more […]

Net Operating Loss Rules Can Offer Tax Relief & Renting Out Your Vacation Home

In Down Years, NOL Rules Can Offer Tax Relief & Renting Out Your Vacation Home From time to time, a business may find that its operating expenses and other deductions for a particular year exceed its income. This is known as incurring a net operating loss (NOL). In such cases, companies (or their owners) may […]

Valley Village Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Valley Village, CA Loan Amount: $2,085,000 Loan Purpose: No Cash Out Refinance Property Type: Apartments Opportunity: With low borrower liquidity and weaker tax returns, we were able to successfully close the deal with a good location and strong financials on the property.   For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an […]

Long Beach Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Long Beach, CA Loan Amount: $605,000 Loan Purpose: Purchase Property Type: Multi-Family Residence Opportunity: Our borrower was bringing funds from a 1031 Exchange. We were able to secure a strong package for the borrower with a property featuring below market rents, and low vacancy. For more information call: (877) 585-FUND (3863)  Fidelity Bancorp […]

Honolulu Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Honolulu, HI Loan Amount: $1,700,000 Loan Purpose: Purchase Property Type: Multi-Family Residence Opportunity: This female student housing provided a few new obstacles that we were able to overcome with strong borrower experience and liquidity.  For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an Orange, California-based firm providing mortgage options to meet […]

58 Million Dollar Multi-Family Loan Closed in 30 Days

RECENTLY FUNDED TRANSACTION: Pasadena, CA Loan Amount: $58,300,000 Loan Purpose: Purchase Property Type:  351 Unit Apartments Opportunity: A strong corporate tenant with a 1031 exchange selling a multi-family property to purchase commercial out of state. A low LTV, all expenses paid by the tenant, and easy cash flow for the buyer. Property closed with minimal conditions or requirements. […]

Commercial Purchase financing – short term leases

RECENTLY FUNDED TRANSACTION: Atascadero, CA Loan Amount: $3,385,000 Loan Purpose: Purchase Property Type: Commercial Opportunity: With these experienced borrowers, they were able to place 40% to secure the purchase and able to overcome the challenge of short term leases. For more information call Pat Capocciama: (714) 908-5291 Fidelity Bancorp Funding is an Orange, California-based firm providing mortgage […]

San Antonio Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: San Antonio, TX Loan Amount: $2,578,000 Loan Purpose: No Cash Out Refinance Property Type: Multi-Family Opportunity: This property was for a repeat client with strong reserves. This client also has owned for the property for several years with lots of singles. For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an Orange, […]

Hesperia Commercial Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Hesperia, CA Loan Amount: $2,340,000 Loan Purpose: Purchase Property Type: Commercial Opportunity: With a strong historical income and expenses on the property in addition to a strong buyer. The challenges we were able to overcome with the dilemma of a weak location.  For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an Orange, California-based […]

Memphis Commercial Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Memphis, TN Loan Amount: $410,000 Loan Purpose: Purchase Property Type: Commercial Opportunity: A strong corporate tenant with a 1031 exchange selling a multi-family property to purchase commercial out of state. A low LTV, all expenses paid by the tenant, and easy cash flow for the buyer. Property closed with minimal conditions or requirements. For […]

EVENT: February 14th – Orange County Hispanic Chamber of Commerce – Commercial Real Estate Breakfast

(in case the main image isn’t loading, we’ve included the details for you below!) ———– This event is for commercial real estate professionals and investors in Southern California to learn more about the market, professional technique, and to meet other allied professionals and investors. Place:   Main Conference Room Fidelity Bancorp Funding 600 City Parkway West […]

Santa Ana Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Santa Ana, CA Loan Amount: $2.400,000 Loan to Cost: 74% Loan Purpose: No Cash Out Refinance Property Type: Orange County Apartments Opportunity: When the appraisal came in for less than anticipated, we had to stretch from 70% LTV on a cash out refinance (standard program) to 75% LTV (exception) to ensure the deal could be completed as […]

Los Angeles Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Los Angeles, CA Loan Amount: $400,000 Loan to Cost: 47% Loan Purpose: Cash Out Refinance Property Type: Los Angeles Apartments For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an Orange, California-based firm providing mortgage options to meet the long-term needs of clients of all ages and scenarios, including Realtors, homebuyers and investors. […]

Elk Grove Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Elk Grove, CA Loan Amount: $1,600,000 Loan to Cost: 85% Loan Purpose: Purchase – SBA 504 Property Type: Auto Service Building For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an Orange, California-based firm providing mortgage options to meet the long-term needs of clients of all ages and scenarios, including Realtors, homebuyers […]

Glendale Apartment Loans – Recently Funded

RECENTLY FUNDED TRANSACTION: Glendale, CA Loan Amount: $1,000,000 Loan Purpose: No Cash Out Refinance Property Type: Mixed Use Opportunity: Low LTV…1 million dollar loan amount….2.4 million dollar value. Large cash out loan without a clear use of funds and an unusual tenant mix provided some additional challenges that we were able to overcome for this client.  For […]

EVENT: January 10th – Orange County Hispanic Chamber of Commerce – Commercial Real Estate Breakfast

Fidelity Bancorp Funding is hosting an event for commercial real estate professionals and investors in Southern California to learn more about the market, professional technique, and to meet other allied professionals and investors. If you are looking to network with other like-minded commercial industry leaders, this event is for you. The first event of 2017. Come […]

Trump Changes Everything

Trumps victory was surprising to many and the “fall – up” of optimism has been contagious. This “fall – up” is not based on facts or results, and instead is based on feelings, which can lose steam. The run up of the markets with increasing rates will result in a decrease in money supply, and will […]

Donating Appreciated Stock & Is the Sales Tax Deduction Right for You?

Donating Appreciated Stock Offers Tax Advantages When many people think about charitable giving, they picture writing a check or dropping off a cardboard box of nonperishable food items at a designated location. But giving to charity can take many different forms. One that you may not be aware of is a gift of appreciated stock. […]

EVENT: Orange County Hispanic Chamber of Commerce – Commercial Real Estate Breakfast

Fidelity Bancorp Funding is hosting an event for commercial real estate professionals and investors in Southern California to learn more about the market, professional technique, and to meet other allied professionals and investors. If you are looking to network with other like-minded commercial industry leaders, this event is for you. Wow; that was quick! It seems […]

Apartment Loans Panorama City, CA – Recently Funded

RECENTLY FUNDED TRANSACTION: Panorama City, CA Loan Amount: $1,729,000 Loan to Cost: 65.992% Loan Purpose: Purchase Property Type: 26 Unit Multi-Family Residence Opportunity: This property was purchased with some deferred maintenance issues that were handled with a holdback.  For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an Orange, California-based firm providing mortgage options to […]

Apartment Loans Los Angeles, CA – Recently Funded

RECENTLY FUNDED TRANSACTION: Los Angeles, CA Loan Amount: $1,700,000 Loan Purpose: Cash Out Refinance Property Type: Multi-Family Residence Opportunity: Repeat client looking to cash out for the purchase of another investment property.  For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an Orange, California-based firm providing mortgage options to meet the long-term needs of clients of […]

Trump Presidency – Rising Wages – Inflation – Rate Increase

A Message from the CEO:  There is a lot of speculation and opinions on what a Trump Presidency will mean on the markets, interest rates, housing, etc., so I thought I would take a moment to share some insights. Over the past few years the Federal Reserve has remained cautious and held off raising rates […]

EVENT: Orange County Hispanic Chamber of Commerce – Commercial Real Estate Breakfast

Fidelity Bancorp Funding is hosting an event for commercial real estate professionals and investors in Southern California to learn more about the market, professional technique, and to meet other allied professionals and investors. If you are looking to network with other like-minded commercial industry leaders, this event is for you. Orange County Hispanic Chamber of Commerce: Commercial […]

EVENT: Orange County Hispanic Chamber of Commerce – Commercial Real Estate Breakfast

Fidelity Bancorp Funding is hosting an event for commercial real estate professionals and investors in Southern California to learn more about the market, professional technique, and to meet other allied professionals and investors. If you are looking to network with other like-minded commercial industry leaders, this event is for you.  Orange County Hispanic Chamber of Commerce: Commercial […]

Apartment Loans Jacksonville Texas – Recently Funded

RECENTLY FUNDED TRANSACTION: Jacksonville, TX Loan Amount: $1,750,000 Loan to Cost: 67.3% Refinance: No Cash Out Refinance Property Type: 64 Unit Multi-Family Residence Opportunity: This property was purchased with tornado damage and low occupancy looking for short term stabilization.  For more information call: (877) 585-FUND (3863)  Fidelity Bancorp Funding is an Orange, California-based firm providing […]

The Best Tips and Tools for Cleaning Some Common Household Items

Sometimes you just can’t find the right tool for the job, even with all the usual cleaning tools at your disposal. Here are some tips for those items and places that are always a pain to keep squeaky clean. The microwave The solution for a clean microwave is in your refrigerator (or maybe in the […]

Five Tips for First-Time Home Buyers

No matter how much time you spend on researching and educating yourself about your home purchase, it’s hard to cover every detail. Here are a few tips for avoiding rookie mistakes with your first home purchase: 1. Save as early as you can: Even if you think you’re years away from buying your first home, […]

Pulse On the Market: Week of October 19, 2016

Rates keep nudging higher. Long term rates, at least, are moving higher, causing the yield curve to steepen. On Friday Fed Chair Janet Yellen alluded to the desire to see inflation run above target. But heck, inflation has not reared its ugly head in decades. Still, the 10-year worsened Friday .5 in price settling at 1.79% while 5-year […]

New Mortgage Intern from the Netherlands

Fidelity Bancorp Funding (FBF) is pleased to announce the addition of Sjoerd Sterk, Fall 2016 Intern visiting us from the Netherlands. Mr. Sterk’s primary responsibility is learning and supporting the current Loan Officers for a very hands on experience in the mortgage industry. This is an in-depth experience acquiring opportunity for interns to get their hands around […]

5 Places To Inspect In Your Rental Property

Would your home or rental property pass this basic home inspection? It may be worth taking a note of some of these to check your own home this coming weekend. Our homes require regular maintenance, both to protect our personal safety and to avoid costly repairs. We often overlook these most basic criteria in our rental […]

How To Make Less And Buy More Of A Home

Just Some Facts:  As a direct result of some really incredibly low bond yields 30 year fixed rate mortgages remain in the 3’s as compared to rates in, say 2006, in the high 5’s.  Add that to the fact that since 2006 home prices dipped really low, and are now at levels equal to or greater than […]

Pulse On the Market: Danger Zone week of August 1st

Danger Zone Interest Rates moved higher today after hitting the lowest levels in roughly 2 weeks last Friday.  But there was some weakness in underlying bond markets that didn’t make it through to increased rates and in other words, unless bond markets stage a rally rates will be moving higher. I was cautious last week waiting […]

Pulse on the Market

Turning to interest rates, now the yield on the 10-year risk-free T-note is above where it was soon after the Brexit vote. Why? First off, the world didn’t end. It will take years, possibly decades to resolve. Lots of experts think the impact on the U.S. will be minimal. Last week’s market activity was attributed to […]

Home Office Deduction & Household Employees

Getting Comfortable With The Home Office Deduction One of the great things about setting up a home office is that you can make it as comfy as possible. Assuming you’ve done that, another good idea is getting comfortable with the home office deduction. To qualify for the deduction, you generally must maintain a specific area […]

Fidelity Bancorp Funding Unveils New Branding

FOR IMMEDIATE RELEASE Media Contact William Sonsma, President Fidelity Bancorp Funding 714-908-5105 wsonsma@fbfloans.com or Jacquelyn Gutc, President Magpie Media jacquelyn@magpie-media.com New logo, website among updates to better connect mortgage firm with clients  ORANGE, Calif. — July 20 — Fidelity Bancorp Funding, a mortgage firm specializing in complex client scenarios and multi-family investor needs, is proud to unveil […]

Fidelity Bancorp Funding Pulse On The Market: BREXIT

This is to address the many calls we’ve received lately asking about rates for commercial loans. QUESTION: Are the rates decreasing as a result of what we are seeing in the bond market?   RESPONSE: In my opinion, those lenders who tie their rates to the bond market, you’ll find that those rates surely should have gone down […]

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