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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40 community guides

South Placer
A neighborhood in West Roseville.

A neighborhood in West Roseville. Photo credit

Incorporated city

Roseville

Start with downtown, Maidu history and the growing west side, then compare the routes, schools and services around the home you like.

Get to know Roseville
South Placer
The train station and Chamber of Commerce building in Rocklin.

The train station and Chamber of Commerce building in Rocklin. Photo credit

Incorporated city

Rocklin

Quarry Park, Sierra College and neighborhood trails give Rocklin a local life beyond its new-home communities.

Get to know Rocklin
South Placer
Downtown Lincoln.

Downtown Lincoln. Photo credit

Incorporated city

Lincoln

Get to know downtown and McBean Park, the Twelve Bridges area and established communities such as Sun City Lincoln Hills.

Get to know Lincoln
Loomis Basin
The historic train depot plaza in Loomis.

The historic train depot plaza in Loomis. Photo credit

Incorporated town

Loomis

Taylor Road, the High-Hand fruit shed and nearby Loomis Basin parks offer a starting point for exploring town life and rural properties.

Get to know Loomis
Foothills
Old Town Auburn.

Old Town Auburn. Photo credit

Incorporated city

Auburn

Auburn brings Gold Rush history, a passenger-rail connection and American River recreation together in a foothill city.

Get to know Auburn
Foothills and I-80
Railroad Street in Colfax.

Railroad Street in Colfax. Photo credit

Incorporated city

Colfax

Colfax brings a working passenger-rail stop, a depot museum and nearby canyon trails into a small foothill city.

Get to know Colfax
Loomis Basin
Welcome to Granite Bay.

Welcome to Granite Bay. Photo credit

Unincorporated community (CDP)

Granite Bay

Folsom Lake access, established neighborhoods and larger parcels make the exact location and ownership costs central to a Granite Bay search.

Get to know Granite Bay
Loomis Basin
Colony Road in Penryn.

Colony Road in Penryn. Photo credit

Unincorporated community (CDP)

Penryn

Penryn’s quarry park and local school give the community a clear identity within the Loomis Basin.

Get to know Penryn
Loomis Basin
The Portuguese Hall in Newcastle.

The Portuguese Hall in Newcastle. Photo credit

Unincorporated community (CDP)

Newcastle

Newcastle’s orchard connections and local school give it a distinct identity between the larger foothill communities.

Get to know Newcastle
Loomis Basin
The historic landmark at Ophir.

The historic landmark at Ophir. Photo credit

Unincorporated community

Ophir

Ophir has a Gold Rush identity of its own, a local STEAM academy and a rural setting that rewards a closer look at each property.

Get to know Ophir
Western Placer
Downtown Lincoln.

Nearby downtown Lincoln. Regional context, not a photo of this community. Photo credit

Unincorporated community (CDP)

Sheridan

Sheridan pairs a local elementary school and community park with the rural landscape of western Placer County.

Get to know Sheridan
Foothills
The pond and walking trail at Meadow Vista Park.

The pond and walking trail at Meadow Vista Park. Photo credit

Unincorporated community (CDP)

Meadow Vista

Meadow Vista’s park, school campus and equestrian facilities give a foothill home search several practical places to start.

Get to know Meadow Vista
Foothills and I-80
The pond and walking trail at Meadow Vista Park.

Nearby Meadow Vista Park. Regional context, not a photo of this community. Photo credit

Unincorporated community

Applegate

Applegate has a county park and a distinct foothill planning identity, with service details that can change from one property to the next.

Get to know Applegate
Foothills and I-80
Railroad Street in Colfax.

Nearby Colfax. Regional context, not a photo of this community. Photo credit

Unincorporated community

Weimar

Weimar has its own foothill anchors: a university campus, forest trails and Weimar Hills School, with a wider daily routine along the I-80 corridor.

Get to know Weimar
Foothills
Old Town Auburn.

Nearby Old Town Auburn. Regional context, not a photo of this community. Photo credit

Unincorporated community

Bowman

Bowman’s school and county planning identity offer a more useful starting point than an Auburn mailing address alone.

Get to know Bowman
Foresthill Divide
Foresthill Bridge, connecting the Auburn and Foresthill area.

Foresthill Bridge, connecting the Auburn and Foresthill area. Photo credit

Unincorporated community (CDP)

Foresthill

Foresthill offers a town park, Divide history and nearby American River recreation, with a daily routine shaped by the road back toward Auburn.

Get to know Foresthill
Foresthill Divide
Iowa Hill Bridge.

Iowa Hill Bridge. Photo credit

Unincorporated community

Iowa Hill

Iowa Hill’s mining history and American River canyon setting come with unusually important questions about access and the systems serving a home.

Get to know Iowa Hill
Sierra and I-80
The historic Dutch Flat Hotel.

Nearby Dutch Flat. Regional context, not a photo of this community. Photo credit

Unincorporated community (CDP)

Alta

Alta is a Sierra-corridor community with Alta-Dutch Flat School at its center and the neighboring Dutch Flat museum telling its regional story.

Get to know Alta
Sierra and I-80
The historic Dutch Flat Hotel.

The historic Dutch Flat Hotel. Photo credit

Unincorporated community (CDP)

Dutch Flat

Dutch Flat has a Main Street museum and a preserved mining-town identity, with Alta and Gold Run closely connected in its regional history.

Get to know Dutch Flat
Sierra and I-80
A historic building in Gold Run.

A historic building in Gold Run. Photo credit

Unincorporated community

Gold Run

Gold Run’s hydraulic-mining history is distinct from neighboring Dutch Flat, even though the communities share useful regional resources.

Get to know Gold Run
Sierra and I-80
The Sierra landscape at Emigrant Gap, looking toward Lake Spaulding.

The Sierra landscape at Emigrant Gap, looking toward Lake Spaulding. Photo credit

Unincorporated community

Emigrant Gap

Emigrant Gap combines an emigrant-trail landmark with a mountain location where road conditions and seasonal access shape a visit.

Get to know Emigrant Gap
Tahoe and mountain communities
Bear Creek in Alpine Meadows in winter.

Bear Creek in Alpine Meadows in winter. Photo credit

Unincorporated community

Alpine Meadows

The Alpine base of Palisades Tahoe provides the local anchor, with a winter gondola connection to Olympic Valley and a different home-by-home access picture.

Get to know Alpine Meadows
Tahoe and mountain communities
Olympic Meadow and the mountains of Olympic Valley.

Olympic Meadow and the mountains of Olympic Valley. Photo credit

Unincorporated community

Olympic Valley

Palisades Tahoe, a village base area and a dedicated public service district shape life in Olympic Valley.

Get to know Olympic Valley
North Lake Tahoe
Downtown Kings Beach.

Downtown Kings Beach. Photo credit

Unincorporated community (CDP)

Kings Beach

A public beach, an in-town elementary campus and North Tahoe recreation resources give Kings Beach several practical starting points for a move.

Get to know Kings Beach
North Lake Tahoe
North Tahoe Beach in Tahoe Vista.

North Tahoe Beach in Tahoe Vista. Photo credit

Unincorporated community (CDP)

Tahoe Vista

A North Shore home base with two distinct outdoor anchors: the forest trails of North Tahoe Regional Park and the lake access at Tahoe Vista Recreation Area.

Get to know Tahoe Vista
North Lake Tahoe
The shoreline at Carnelian Bay.

The shoreline at Carnelian Bay. Photo credit

Unincorporated community (CDP)

Carnelian Bay

Patton Landing, paddling and the public shoreline at Carnelian West give this North Shore community a recognizable lakeside center.

Get to know Carnelian Bay
North Lake Tahoe
Lake Tahoe viewed from Tahoe City.

Lake Tahoe viewed from Tahoe City. Photo credit

Unincorporated community

Tahoe City

Commons Beach, lakefront community events and a connected trail network make Tahoe City a useful place to explore daily life on the North and West Shores.

Get to know Tahoe City
West Shore Tahoe
A winter view of Lake Tahoe from Homewood.

A winter view of Lake Tahoe from Homewood. Photo credit

Unincorporated community

Homewood

A West Shore community with a ski-resort redevelopment to follow carefully and lake, road and ownership questions that deserve their own visit.

Get to know Homewood
West Shore Tahoe
The beach at Tahoma.

The beach at Tahoma. Photo credit

Unincorporated community (CDP)

Tahoma

Sugar Pine Point State Park and the West Shore landscape define a Tahoma visit, while the Placer/El Dorado boundary changes which property rules apply.

Get to know Tahoma
Western Placer
Colony Road in Penryn.

Colony Road in the surrounding Penryn area. Regional context, not a photo of this community. Photo credit

Unincorporated community

Bickford Ranch

Compare a phased foothill master plan with the facilities, costs and access actually available for the home you are considering.

Get to know Bickford Ranch
Western Placer
A neighborhood in West Roseville.

A neighborhood in the wider Roseville area. Regional context, not a photo of this community. Photo credit

Unincorporated community

Placer One

An emerging community with homes underway and a future university campus: compare what exists today with the longer-term plan.

Get to know Placer One
Foothills
Old Town Auburn.

Nearby Old Town Auburn. Regional context, not a photo of this community. Photo credit

Unincorporated community (CDP)

North Auburn

North Auburn has county-community status and its own recreation anchors, even when a home uses an Auburn mailing address.

Get to know North Auburn
North Lake Tahoe
The shoreline at Dollar Point.

The shoreline at Dollar Point. Photo credit

Unincorporated community (CDP)

Dollar Point

Understand Dollar Point Association membership, guest rules and public recreation alternatives before comparing homes by their advertised amenities.

Get to know Dollar Point
West Shore Tahoe
Lake Tahoe viewed from Tahoe City.

Lake Tahoe viewed from nearby Tahoe City. Regional context, not a photo of this community. Photo credit

Unincorporated community (CDP)

Sunnyside-Tahoe City

Explore the West Shore around Sunnyside and Kilner Park, with Tahoe City nearby and property-specific shoreline access to understand.

Get to know Sunnyside-Tahoe City
Foothills and I-80
Iowa Hill Bridge.

Iowa Hill Bridge in the wider foothills region. Regional context, not a photo of this community. Photo credit

Unincorporated community / planning area

Clipper Gap

Clipper Gap is a county planning-area name with its own local identity, distinct from the mailing address a property may use.

Get to know Clipper Gap
Tahoe and mountain communities
Martis Creek Lake and its surrounding valley.

Martis Creek Lake and its surrounding valley. Photo credit

Unincorporated community / planning area

Martis Valley

Explore the open space around Waddle Ranch and Elizabethtown Meadows, then compare the individual communities and ownership costs of Martis Valley.

Get to know Martis Valley
Sierra and I-80
Serene Lakes viewed from Bill and Flora’s Point.

Serene Lakes viewed from Bill and Flora’s Point. Photo credit

Unincorporated community / planning area

Serene Lakes

Lake Serena, Lake Dulzura and the Royal Gorge landscape give this Donner Summit community a distinct mountain rhythm.

Get to know Serene Lakes
Sierra and I-80
Serene Lakes viewed from Bill and Flora’s Point.

Nearby Serene Lakes. Regional context, not a photo of this community. Photo credit

Unincorporated community (CDP)

Kingvale

A Donner Summit community where school location, winter road access and the Placer/Nevada county boundary belong in the first home-buying conversation.

Get to know Kingvale
North Lake Tahoe
The shoreline at Carnelian Bay.

The nearby Carnelian Bay shoreline. Regional context, not a photo of this community. Photo credit

Unincorporated community (CDP)

Cedar Flat

A North Shore community along the SR 28 corridor, with Carnelian Bay shoreline resources nearby and a distinct county planning identity.

Get to know Cedar Flat

Know the place, then verify the address.

Community names, postal addresses, city limits and school boundaries do not always match. These guides include all six incorporated cities and towns plus county-listed and additional planning communities. They are starting points, not a parcel-level boundary determination.

Confirm the exact address with the relevant jurisdiction and school district. Explore schools using official information and your household’s needs, rather than a ranking or a promise of enrollment.

Your next move

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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%