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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Go beyond the house tour

Find your kind of Saturday.

A market, a trail, a meal or somewhere to move. Use these starting points to discover what feels like you.

Lake Tahoe viewed from Tahoe City.
Lake Tahoe viewed from Tahoe City. Photo credit

These are independent places to explore, not confirmed package partners or ranked recommendations. Check hours, admission, accessibility and reservations directly before you visit.

A seasonal dinner on a restaurant table.
AI-generated illustration.

Rocklin

The Chef's Table

A Rocklin dinner stop with a changing menu and locally sourced ingredients. Browse the current menu before planning your evening.

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An exercise mat, weights and a towel.
AI-generated illustration.

Roseville

Villa Sport Roseville

Explore fitness classes, pools and club amenities. Ask the club about a tour, membership and current guest access options.

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Shopping bags and coffee beside a walkway.
AI-generated illustration.

Roseville

Westfield Galleria at Roseville

Get to know a local shopping and dining destination, from everyday errands to an afternoon out.

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Tomatoes and greens at a produce stand.
AI-generated illustration.

Roseville

Farmers' Market at the Fountains

Browse a local produce market at the Fountains. Check the current market schedule before heading over.

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A sketchbook and acorns beneath oak trees.
AI-generated illustration.

Roseville

Maidu Museum & Historic Site

Make time for local Native history through museum exhibits and the historic site. Check tour and visiting information with the city.

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A model water wheel and solar panel.
AI-generated illustration.

Roseville

Utility Exploration Center

An interactive stop to explore how water, energy and waste systems connect to daily life.

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Walking shoes beside a woodland path.
AI-generated illustration.

Rocklin

Sunset Whitney Recreation Area

Explore paths for a walk, run or bike ride. Review city trail and improvement notices before visiting.

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A climbing helmet, harness and rope.
AI-generated illustration.

Rocklin

Quarry Park Adventures

Plan an active outing with climbing and aerial adventures in Rocklin. Check reservations and activity requirements with the operator.

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Coffee and potted plants on a garden table.
AI-generated illustration.

Loomis

High-Hand Nursery & Cafe

Browse the nursery and make a meal part of your Loomis visit. Check cafe reservations and current events before you go.

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A glass of red wine beside grapes.
AI-generated illustration.

Lincoln

Wise Villa Winery

Explore a Lincoln winery and bistro for a tasting or a meal. Check the winery directly for reservations and visitor information.

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A small waterfall in woodland.
AI-generated illustration.

Auburn area

Hidden Falls Regional Park

Oak woodland trails and waterfall viewing decks make this a place to explore the foothills. Check closures and reserve parking when required.

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A river winding through wooded hills.
AI-generated illustration.

Auburn area

Auburn State Recreation Area

Discover American River canyon trails and river recreation. Review current access, conditions and activity guidance before heading out.

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A picnic basket beside a lake.
AI-generated illustration.

Granite Bay / Folsom Lake

Granite Bay and Beals Point

Plan a Folsom Lake visit around beach areas, picnicking and lake access. Water levels and seasonal conditions affect your options.

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Clear lake water, granite stones and pines.
AI-generated illustration.

Kings Beach

Kings Beach State Recreation Area

Explore a North Lake Tahoe beach and picnic destination. Check parking, weather and park rules before making the trip.

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A pitcher and linen in a historic-style room.
AI-generated illustration.

Auburn

Bernhard Museum Complex

Explore a historic Auburn house and grounds for a closer look at local life in an earlier era. Check current visiting arrangements.

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Produce and vintage finds on a market table.
AI-generated illustration.

Roseville

Denio's Farmers Market & Swap Meet

Explore produce and market stalls for a different kind of Roseville outing. Check the operator for current market days.

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A glass of beer with a goat in the distance.
AI-generated illustration.

Lincoln

Goathouse Brewing

Visit a Lincoln farm brewery for a relaxed local outing. Check taproom information and visiting rules directly with the brewery.

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Squash, peppers and herbs at a farm stand.
AI-generated illustration.

Lincoln

Fowler Ranch Farmers' Market

Explore a Lincoln market stop for local produce and food. Use the tourism directory to check the current market schedule.

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A tote of fresh vegetables on a park bench.
AI-generated illustration.

Roseville

Mahany Park Farmers' Market

Add a Roseville farmers market visit to your neighborhood exploration. Check the directory for current days and details.

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Cafe chairs and flowers in a public square.
AI-generated illustration.

Roseville

Vernon Street Town Square

Get to know downtown Roseville through its public square and community gatherings. Check city updates and the event calendar.

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A brass room key and coffee on a wooden table.
AI-generated illustration.

Dutch Flat

Dutch Flat Hotel and Main Street

Plan a foothill visit with hotel rooms, dining, a Main Street walk and seasonal museum details.

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Annual events

A basket of mandarins with green leaves.
AI-generated illustration.

Roseville

Mountain Mandarin Festival

Explore a Placer citrus festival with food, music and local vendors. Use the organizer for current dates and venue details.

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Fruit and pottery on a market table.
AI-generated illustration.

Loomis

Loomis Fruit Shed Fest

Discover a downtown community festival with local food, music and artisan vendors. Check the chamber for the next event details.

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Your next move

Make this place feel like yours.

Tell us which communities interest you, what your days look like, and where you could use a hand.

Start a conversation

Things to do in Placer County · Annual events

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%