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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Loomis Basin · Incorporated town

Get to know Loomis.

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

Loomis at a glance

Community form
An incorporated town with downtown and rural-residential areas Source
High school
Del Oro High, in Placer Union High School District Source
How to compare
Separate acreage from in-town residential properties Source

What do homes cost here?

$750,000

Median sale price · Loomis · All home types

Three months ending August 2026 · +17.2% year over year

Redfin reports closed-sale data for this geography and period. A median is the middle sale, not an asking price or an estimate for a particular home. Compare similar properties and neighborhoods before using it as a budget.

Read the market data

Reviewed . Market periods are shown separately. Next resource review due 2027-01-22.

Quick answers

What is a good first outing in Loomis?

Explore High-Hand on Taylor Road, then the county's Loomis Basin Community Park South. Check business hours, reservations and park conditions for the kind of visit you want.

What should I investigate when comparing Loomis acreage homes?

Look beyond square footage to water, wastewater, road access and recorded easements. Obtain property-specific inspection and service records; neighboring parcels can have different arrangements.

Sources & further reading

Community resource review: . This date applies to the local resources and answers added to this guide, not to live home inventory, pricing or future project completion.

Jump to a section
The historic train depot plaza in Loomis.
The historic train depot plaza in Loomis. Photo credit

Which parts should I compare?

Downtown Loomis

Taylor Road is the useful anchor for an in-town visit. The town's zoning distinguishes downtown residential development from rural-residential areas. Compare walking routes and the particular home's condition instead of assuming every Loomis listing is acreage.

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Rural-residential edges

The general-plan environmental record describes preserving the semi-rural character at the town's fringes. For a larger parcel, look at usable ground, access and improvements, not just the lot acreage in the listing.

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Postal Loomis versus town limits

A Loomis mailing address is not the same evidence as the town's planning boundary. The general-plan record defines its planning area around the town limits; use the parcel location when comparing a town property with surrounding unincorporated land.

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A feel for everyday life.

High-Hand gives a Loomis visit a concrete starting point: a nursery, cafe and restored fruit-shed setting on Taylor Road. The business publishes its own events and reservations. Pair a visit there with time along the town corridor rather than treating Loomis only as a stop between freeway exits.

Loomis Basin Community Park South is a county resource for walking, baseball and equestrian recreation. Use the county park page for access information. Town parks and county Basin resources have different operators, so the name Loomis alone does not tell you who maintains a facility.

Loomis Grammar School on Taylor Road and H. Clarke Powers on Humphrey Road are named local school resources. Start with their official school pages and then confirm the attendance boundary for the home, rather than choosing from a ranking or assuming proximity establishes enrollment.

If your search includes acreage outside the town, move the inspection questions beyond the house itself. Identify the drinking-water supply, wastewater system, access easements and responsibility for private roads. Ask separately about irrigation water: a landscape water arrangement does not establish a potable-water supply. Keep the written inspection findings with your financing and insurance planning.

Make a visit more than a house tour.

High-Hand Nursery and fruit shed

Explore the nursery, cafe and current event calendar.

Explore the details (opens in a new tab)

Loomis Basin Community Park South

County park information for walks, ball fields and equestrian recreation.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Loomis combines in-town houses and larger rural properties. Separate those segments before comparing sales. An asking price describes what a seller hopes to receive; the dated closed-sale median describes completed transactions. Acreage, usable land and improvements can matter more than the townwide midpoint.

Browse Loomis homes on Zillow (opens in a new tab)

Zillow opens separately. Listings, estimates and boundaries are third-party information, not our inventory or a guarantee of value or availability. Check the exact address and terms with your agent.

Ask us and your real estate professional to research new construction for your specific search. Use the current new-home directory alongside county planning records; an approved project is not the same as homes available to buy.

Schools and districts

Del Oro High is part of Placer Union High School District. Loomis Union's local elementary-school resources include Loomis Grammar and H. Clarke Powers, linked below. Begin with the district and the named campus, then establish the assignment for the home rather than assuming the nearest campus is the assigned one.

School information

Confirm the exact address, current attendance boundary and enrollment with the district. A nearby school is not a guaranteed assignment.

Local services and providers

What does getting around look like?

Taylor Road and the freeway connection

The town has commissioned study work for the I-80/Horseshoe Bar Road interchange. Include that local connection in a commute test, especially when comparing downtown with a rural property farther from the interchange.

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School and errand stops

Del Oro's campus is on Taylor Road. A weekday test with the actual school and errand stops is more useful than a single town-to-Sacramento travel time.

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What belongs in the ownership budget?

Acreage changes the comparison

Rural-residential zoning and a large lot do not establish that every desired use or improvement is allowed. Read the zoning and permit history for additions, outbuildings and intended uses before assigning value to them.

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Get the coverage quote before the final comparison

For a rural or brush-adjacent property, compare the insurance terms as well as the premium. If FAIR Plan coverage is part of the proposal, discuss the remaining coverage gaps and supplemental policy with a licensed insurance professional.

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Compare the address, not just the price.

Bring the listing, tax bill, HOA statement and insurance quote. We can help put the recurring costs beside the loan payment before you compare homes.

Talk through the numbers

What should I check before choosing a home?

  • Separate the incorporated town from a broader Loomis postal or Basin description.
  • Identify who supplies and maintains water, wastewater and road access for each parcel.

Visit at more than one time of day. Check insurance availability, utilities, total property charges and commute conditions for the specific address before removing contingencies.

Keep exploring.

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

California homeowners insurance

Homeowners insurance helps protect your home and belongings against covered losses. In California, start checking insurance availability and cost early in a home purchase, and review coverage before renewal. A mortgage preapproval is not confirmation that a particular property can be insured. Compare coverage, exclusions, deductibles and the total cost, then have your lender review the proposed policy.

Explore California insurance guidance

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%