Nick’s Lending.Placer County
English

New homes

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.
Call

Browse new-home communities

Compare communities, builder offers and places to visit.

Last Refresh November 1, 2026

76 communities

Comparing builder incentives? Ask our team

Weekly report

Sources checked:
How we select communities

Checked daily; refreshed Friday and Saturday mornings for weekend visits.

Coverage is expanding across Placer County. This is not a complete inventory; builder pages remain the source for availability.

Prices exclude possible lot premiums, options, solar, taxes and HOA fees. Confirm availability and full offer terms with the builder.

How we select communities

Coverage is expanding across Placer County. This is not a complete inventory; builder pages remain the source for availability.

Published prices are indicative, not a guarantee of available homes or total cost. Lots, options, solar, HOA dues and taxes can add costs. A starting price does not establish an upper price limit. Missing size limits remain unknown.

Details vary by plan. Filters describe published options, not a guarantee that a specific home is available. Missing details remain unknown.

More resources

Explore recorded history · Send a community update · Share this tracker

Mortgage calculators

Your model-home visit checklist.

The home and neighborhood

  • Which features in the model are upgrades?
  • What is the actual lot orientation, grading and drainage?
  • Which amenities are open now versus planned?
  • Who confirms the school boundary and utility providers?
  • What does the warranty cover, and who handles service?

The numbers and timing

  • Ask for itemized property taxes, assessments, HOA dues and insurance estimates.
  • Compare the whole financing offer, including incentive conditions.
  • Ask what happens if construction or your existing-home sale is delayed.
  • Understand the deposit, contingencies and completion provisions before signing.
  • Discuss independent inspections and contract questions with your agent and advisers.
Explore a payment estimate

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
Community data & sources

Source-dated community records: CSV · JSON. Prices and availability can change; confirm with the builder.

PERSONALIZED PLACER COUNTY TOUR

Tell us what you would like to see.

A licensed local real estate professional who knows the new-home market will follow up to coordinate a useful tour.

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.

View source feed

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