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 · Unincorporated community

Get to know 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.

Ophir at a glance

School locator
Ophir STEAM Academy is at 1373 Lozanos Road with a Newcastle 95658 address. Source
School grades
The academy is K through grade 8 in Loomis Union Elementary District in the state directory. Source

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

Quick answers

What is Ophir known for?

Its Gold Rush history. California’s historical-landmark record identifies the former Spanish Corral settlement and the mining community that became Ophir.

Is Ophir STEAM Academy a local school?

Yes. It is a Loomis Union School District school. Use its enrollment information and the district’s address review for a specific home.

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 landmark at Ophir.
The historic landmark at Ophir. Photo credit

Which parts should I compare?

Lozanos and Bald Hill roads

The state historical marker locates Ophir at the corner of Lozanos and Bald Hill roads.

Source

Ophir planning area

Ophir has its own named general-plan document in the county’s community-plan library. Before treating a large parcel as divisible or suitable for an additional use, look up its zoning and planning designation. The planning map helps explain the setting; the parcel record is what makes the discussion specific.

Source

A feel for everyday life.

The state’s historical-landmark record traces Ophir to an 1849 settlement called the Spanish Corral. It describes the town’s gold-mining growth, the destructive 1853 fire and its later quartz-mining role. The landmark at Lozanos and Bald Hill roads makes that history tangible without turning the community into a collection of population or price estimates.

Ophir STEAM Academy is a current local anchor within Loomis Union School District. Its official site brings together school information, enrollment, music, sports and family resources. A home near the campus is a reason to investigate the school route, not proof of an attendance assignment.

Use the county’s Ophir planning material to understand the parcel behind a Newcastle or Auburn-area listing. A property’s mailing address, community name and permitted land uses answer different questions. If land, an orchard or a workshop is part of the appeal, bring the intended use to county planning before treating it as an included benefit.

For a property with a well, septic system or separate irrigation supply, request the actual service and inspection records. Do the same for private access and shared road obligations. An insurance quote belongs in that review; a seller’s statement about a fire zone does not guarantee coverage or establish that a particular insurance program is required.

Make a visit more than a house tour.

Ophir historical landmark

Read the state’s account of the community’s mining origins and landmark location.

Explore the details (opens in a new tab)

Explore homes with the full picture.

For an Ophir search, compare how the land works: access, slope, maintained ground and existing buildings. A Newcastle mailing address does not describe those features. Budget for the property you can use today before assigning value to a future workshop or extra dwelling.

Browse Placer County 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

Ophir STEAM Academy belongs to Loomis Union Elementary, despite its Newcastle postal address. CDE lists K through grade 8. Ask the school about TK, enrollment boundaries and transfer rules, and obtain separate high-school confirmation. This is a useful example of why mailing city, community identity and school district need their own checks.

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?

A practical first visit

Put the school and the historic crossroads on the same viewing itinerary, then travel the route you would actually use toward work. Note turns, road width and the final approach to the home. No drive-time estimate here substitutes for seeing the route at the hour you expect to use it.

Related resource

What belongs in the ownership budget?

The land is part of the purchase

For an acreage property, ask for an outline of maintained versus unused ground, access easements and the buildings included in the sale.

Related records

Check conversion plans

Check permitted bedrooms before planning a conversion or workshop residence.

Related records

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?

  • Check permitted uses separately from a listing’s acreage description.
  • Use a property-specific insurance quote, not a fire-zone marketing claim.

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

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%