Northern California Region

More people are jumping on the bandwagon of purchasing properties, flipping the homes and selling them for a profit. However, before you start on this type of venture, you need to learn something about the area in which you are planning to invest. While it seems like many people focus on more populated areas like southern California, investing in properties in the northern part of the state can be just as lucrative. This is why it’s important to explore your options to determine which area is right for you. Hard money lenders California will help you through this process and provide local hard money for your next new construction project, commercial property acquisition, fix and flip, rehab or buy and hold.  Give us a call today at 858-780-5162 to submit your request for your next hard money loan.

Northern California

The term “northern California” actually refers to the top 2/3 of the state, rather than the top half as many people would assume. In fact, the imaginary line that separates the north part of the state from the south lies around the city of San Francisco. However, for most people, San Francisco is considered an area all its own with the remainder of the state classifying as northern California. Some of the most notable cities located in this region of the state include the greater Sacramento area, Napa, Fresno, Bakersfield, Santa Barbara, Monterey, Santa Cruz, South Lake Tahoe and many more, giving real estate investors plenty of options from which they can choose.


Although northern California is significantly larger than the southern portion of the state, the population is less dense due to the fact most of the larger metropolises in the state fall within the south. As of the 2010 census, there were more than 14.5 million people living within the 48 counties that make up the northern portion of the state and population growth has actually exceeded many of the areas in the south.


Like much of the rest of the state, northern California sees a large percentage of whites, making up around 3/4 of the entire state’s population. However, there are areas with significant populations of other ethnicities, including African American, Hispanic and Asian, with the largest minority population being Asian. This means California can offer diversity in its population, depending on the precise city in which you want to invest. In order to achieve your real estate investment goals, you will need to complete research on each specific area.

Employment in Northern California

Northern California is home to a number of high technology companies, making the area ideal for those who work in this field. In fact, you won’t find a greater concentration of tech companies anywhere else in the United States. However, there are other industries that are prominently represented in this area of the country, including medical technology, finance, clean energy, government and biomedical, as well as jobs in tourism, agriculture, shipping and manufacturing. This ensure many residents are able to find a job in their chosen field.

California is known for its higher cost of living, but this also means workers are typically paid higher wages. Northern California gives employees some of the highest average salaries in the country, which adds to the appeal of the area. The average income for individuals will vary significantly based on where you live. For instance, living in a more rural setting in this area will typically offer lower salaries than living and working in one of the larger cities. Workers in San Jose, for example, average about $69,000 per year.

Attractions to the Area

While there are plenty of tourist attractions with which people are familiar with located near cities like Los Angeles and San Diego, northern California also has much to offer. Many of the most enjoyable sights in the state are the natural wonders. There are a number of national parks located in this part of the state, including Yosemite, Redwood, Kings Canyon-Sequoia and several others. Residents and visitors alike also enjoy spending time in the Cascade Mountains with the second largest peak in the mountain range located in northern California, dwarfed only by Mount Rainier in Washington. There’s also the popular Napa Valley where many of the country’s finest wines are produced, providing residents and tourists with winery tours, wine tastings and many other related experiences.

When most people think of investing in real estate in California, they think of the larger cities in the south, but there are many great opportunities in the northern part of the state as well. In 2016, home sales in northern California were up by nearly 25 percent with many homes selling faster than ever. For those interested in flipping homes and selling them for a profit, this is great news, allowing them to transform a home and sell it within a short period of time.

This offer is not guaranteed if you do not meet our criteria, including credit worthiness, insurability or ability to providing acceptable property as collateral. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.
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