Nick’s Lending.Placer County
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Explore Nick’s Lending

10-year TreasuryYield · Oct 29, 20264.980%
Rates as of Oct 29, 2026Dated references, not live quotes. 15-year/FHA/VA modeled; FHA/VA APR is not all-in.
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People who know their trade

Good help starts with good questions.

Use the right credential lookup, compare a written scope, and understand who will actually do the work.

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Your choice of professional.

These are independent credential and consumer resources, not a paid placement list or a ranking of the best companies. We are building local connections. Ask us for help identifying options, then verify credentials and fit yourself.

Local companies to research.

These businesses describe services in or around Placer County on their own websites. We have not inspected their work or verified current license status. This is a starting list, not an endorsement or partnership.

Roof & Gutters

Roseville Roofing

Listed service area: Placer, Sacramento and El Dorado counties

Lists residential roof inspections, repairs and replacement, along with commercial roofing. Ask for a written inspection and a scope that separates repairs from replacement.

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Company-published license number: 553613. Verify current status and scope with the regulator before hiring.

Roof & Gutters

Auburn Roofing, Inc.

Listed service area: Auburn area

Auburn-based roofing company with roofing, gutter and insulation project galleries. Confirm the work needed, service address and current scheduling directly.

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Heating & Cooling

Brower Mechanical

Listed service area: Rocklin

Lists heating and cooling maintenance, repairs and installation for Rocklin homes, with home-efficiency assessment services. Ask which diagnostics and follow-up are included.

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Company-published license number: 1081055. Verify current status and scope with the regulator before hiring.

Pest Control

Pro Active Pest Control

Listed service area: Roseville, Rocklin, Lincoln and other listed Placer County locations

Lists residential and commercial pest-control service in Placer County. Confirm coverage for your address and request an inspection-based treatment proposal.

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Pest Control

Rocklin Pest Control

Listed service area: Rocklin, Roseville and South Placer County

Lists household pest maintenance, rodent and bird exclusion, and termite or dry-rot services. Ask which inspection, treatment and repair tasks are included.

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Company-published license number: PR4683. Verify current status and scope with the regulator before hiring.

Pool Care

American Pure Pool Service & Repair

Listed service area: Auburn, Rocklin, Meadow Vista, Christian Valley, Weimar and Colfax

Lists weekly pool care, seasonal start-ups and equipment repair or installation. Ask for a service log and a clear testing plan between visits.

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Company-published license number: 980179. Verify current status and scope with the regulator before hiring.

Pool Care

Quality Clear Pools

Listed service area: Auburn, Granite Bay, Lincoln, Loomis, Newcastle, Penryn, Rocklin, Roseville and Sheridan

Lists weekly pool maintenance, filter cleaning, start-ups and pool-owner equipment instruction. Confirm the service package and which tasks remain with you.

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Yard & Garden

C.C. Services

Listed service area: Roseville, Lincoln, Rocklin, Granite Bay and Loomis, plus other listed nearby areas

Lists recurring lawn and yard care, cleanup and irrigation work through a property-care contact. Ask who performs each service and verify credentials for any regulated work.

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Yard & Garden

Lavish Gardens Landscape

Listed service area: Rocklin, Roseville, Granite Bay, Loomis, Lincoln, Auburn and Penryn, plus surrounding areas

Lists landscape design and construction, including planting, drainage, hardscape and lighting. Its site says it does not provide ongoing landscape maintenance.

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Company-published license number: 1110575. Verify current status and scope with the regulator before hiring.

Water & Plumbing

DS Plumbing

Listed service area: Roseville, Orangevale, Carmichael, Citrus Heights and Folsom

Lists drain cleaning, sewer-line repair and installation, and water-heater services. Confirm the diagnosis, permit responsibility and complete written scope before work.

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Company-published license number: 903490. Verify current status and scope with the regulator before hiring.

Solar & Energy

Magic Sun Solar

Listed service area: Auburn, Granite Bay, Lincoln, Newcastle, Penryn, Rocklin and Roseville

Lists solar installation, repair and maintenance in Placer County. Ask how the proposed work fits your existing equipment, warranties and utility arrangement.

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Company-published license number: 953640. Verify current status and scope with the regulator before hiring.

Check credentials. Compare the work.

HVAC

Start with the California Contractors State License Board lookup, then compare written proposals for your home.

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Before you hire

  • Is your license current and appropriate for this work?
  • How will you assess equipment sizing and duct condition?
  • Which permits, warranties and follow-up service are included?
Roofing

Use the state contractor lookup and ask each roofer to define the full scope before comparing prices.

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Before you hire

  • Does the quoted scope include tear-off, deck repairs and ventilation?
  • Who handles permits and inspection?
  • What workmanship and material warranties apply?
Pest control

Check California Structural Pest Control Board licensing resources before arranging structural pest or termite work.

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Before you hire

  • Does your license or registration cover the inspection and treatment I need?
  • Will I receive a written findings report and treatment plan?
  • What follow-up, exclusions and warranty terms are included?
Solar

Read the California Public Utilities Commission solar consumer guide and verify contractor credentials before signing.

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Before you hire

  • Who will install the system, and how can I verify their license?
  • How do purchase, loan and lease costs compare over the full term?
  • How do roof condition, utility billing and equipment warranties affect the proposal?
Pool services

Check contractor licensing for construction or repair work, and distinguish that scope from routine pool maintenance.

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Before you hire

  • What work does your license cover?
  • Who handles permits, required barriers and inspections?
  • What maintenance, equipment and ongoing costs are outside the quote?
Landscaping

Verify credentials for the proposed scope and compare plans for drainage, irrigation and ongoing upkeep.

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Before you hire

  • Does this scope require a contractor license or permits, and who handles them?
  • How will the plan address drainage and irrigation?
  • What maintenance will the planting and hardscape require?
Home insurance

Use the California Department of Insurance lookup to check an agent or broker before discussing a property-specific quote.

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Before you hire

  • Can coverage be written for this exact property and start date?
  • What are the exclusions, deductibles and replacement-cost assumptions?
  • How are wildfire and other relevant risks covered, and is a separate policy needed?

Your next move

Questions come with the keys.

Tell us what you are working through. We can help you organize the next questions and look for the right kind of professional.

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Rate context & assumptions

Dated rate references, not a live quote. Check the rates-as-of date shown with the figures. Review the product-specific assumptions below.

Dated references, not live quotes. 15-year/FHA/VA modeled; FHA/VA APR is not all-in.

30-year fixed

Rate 7.161% · APR 7.232%

* Conventional 30-year fixed-rate purchase loan. $650,000 purchase price. $455,000 loan amount. $195,000 down payment (30%). 70% LTV. 780 representative credit score. Owner-occupied single-family residence in California. 360 monthly payments. 30-day rate-lock period.

Pricing shown at par: 0.000 discount points and $0 lender credit. Estimated principal-and-interest payment is $3,076.48 per month. Payment does not include property taxes, homeowners insurance, HOA dues, assessments, or other property-related charges. The actual total monthly payment will be higher. Mortgage insurance is not included because this example assumes 70% LTV.

The illustrative APR assumes $3,200 in prepaid finance charges and an amount financed of $451,800. Actual APR and closing costs depend on the final loan terms and which charges constitute finance charges under applicable law. Rate, APR, fees, and availability are subject to change until locked. All loans are subject to credit, income, asset, property, appraisal, underwriting, and program requirements.

Example as of October 29, 2026 at 6:35 AM Pacific. This is not an approval, offer, guarantee, or commitment to lend.

15-year fixed

Rate 6.411% · APR 6.523%

15-year fixed temporary estimate as of 2026-10-29: 0.750 percentage points below the 30-year conventional reference. Not independently sourced lender pricing.

Illustrative purchase: $650,000 price, $455,000 loan, $195,000 down (30%), 70% LTV, 780 credit score. Owner-occupied California single-family residence; 180 monthly payments; 30-day lock assumption.

At 0.000 points and $0 lender credit, estimated principal and interest is $3,941.31/month. Taxes, insurance, HOA and other property charges are excluded; total payment will be higher.

Modeled APR uses $3,200 prepaid finance charges and $451,800 amount financed over 180 months. This is an estimate, not an offer or commitment. Actual rates, APR and eligibility require individual review.

FHA · 30-year fixed

Rate 6.991% · Modeled APR 7.061%

FHA 30-year modeled market reference from the morning email dated 2026-10-29. Not a lender quote.

The email applies a shared illustrative APR model. It does not supply a complete program-specific borrower scenario.

Program-specific mortgage insurance and funding fees are not established by this model. This is not an all-in FHA or VA APR quote.

Ask for a personalized rate, APR, payment and program-specific costs before making a borrowing decision.

VA · 30-year fixed

Rate 6.839% · Modeled APR 6.908%

VA 30-year modeled market reference from the morning email dated 2026-10-29. Not a lender quote.

The email applies a shared illustrative APR model. It does not supply a complete program-specific borrower scenario.

Program-specific mortgage insurance and funding fees are not established by this model. This is not an all-in FHA or VA APR quote.

Ask for a personalized rate, APR, payment and program-specific costs before making a borrowing decision.

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10-year Treasury · Yield · Oct 29, 2026 · 4.980%