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 (CDP)

Get to know Penryn.

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

Penryn at a glance

Local school
Penryn Elementary is K through grade 8 in Loomis Union Elementary District. Source
Named park
Griffith Quarry Park has three miles of trails at 7405 Rock Springs Road. Source

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

Quick answers

What is Griffith Quarry Park?

It is a county park preserving features of the former quarry, with trails and a museum interpreting the Penryn-Loomis Basin area.

Where is Penryn School?

The official school page lists the campus on English Colony Way in Penryn. Confirm enrollment through Loomis Union School District.

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
Colony Road in Penryn.
Colony Road in Penryn. Photo credit

Which parts should I compare?

English Colony Way

Penryn School is at 6885 English Colony Way. Use it as a starting point for comparing the practical school-day route from a home, then include the local roads you would use for work and errands. A listing’s proximity to I-80 does not explain the whole daily trip.

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Quarry area and Penryn Parkway

Griffith Quarry preserves the granite-working landscape, while county infill research treats the Penryn Parkway corridor as a distinct planning area. Explore the historic local setting and the freeway-oriented corridor separately. They answer different questions about the surroundings of a prospective home.

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A feel for everyday life.

Griffith Quarry Park makes Penryn’s granite history visible. The county describes quarry pits, old wells and granite tailings along roughly three miles of trails. The museum interprets the quarry and the Penryn-Loomis Basin area. Choose a trail and check the museum schedule before combining it with a house-hunting day.

Penryn School is on English Colony Way within Loomis Union School District. Its official site is a better starting point for current school information than a listing’s rating or a broad community label. Use the school and district to establish enrollment and transportation for the actual address.

The county lists a Horseshoe Bar/Penryn Community Plan. For a home with land, use that planning context to discuss the intended use of barns, workshops, additional structures or animals. Acreage by itself does not answer those questions, and a neighboring property’s use is not permission for your parcel.

Make the visit practical as well as scenic: include the quarry, the school route if relevant, and the errands you expect to make. At the home, look at road access, drainage and service records. Separate the cost of caring for the land from the house payment so the full ownership picture is clear.

Make a visit more than a house tour.

Griffith Quarry Park and museum

Explore quarry history and the county-listed trail network.

Explore the details (opens in a new tab)

Explore homes with the full picture.

Compare an English Colony Way or town-area home with a larger parcel using the route to school, park-and-ride and daily errands. Price the usable outdoor space and upkeep separately from the house. A Penryn mailing address is not a complete description of services or permitted uses.

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

Penryn Elementary’s state directory entry lists K through grade 8 and a 95663 address. Ask Loomis Union about current TK, enrollment boundaries and transfer policies. Obtain a separate high-school assignment from the relevant district. This guide identifies the local school without converting a mailing address or nearby campus into an enrollment guarantee.

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 local walk between showings

Griffith Quarry’s trail network offers a way to see the oak woodland and quarry remnants without making a major mountain trip. The county distinguishes the park from the museum’s operating hours; use the park page to plan the visit rather than assuming both are open together.

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A published schedule example

Penryn Park and Ride 5:55 a.m. to Sacramento J/4th 6:50 a.m.: 55 scheduled minutes in the timetable checked October 22, 2026. Add stop access and recheck departures.

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What makes the quarry distinctive

Griffith Quarry contains old quarry pits, wells and granite tailings as well as its woodland trails. It gives a visible explanation of Penryn’s industrial history. The county museum at the site adds the human story; consult the current visiting hours when planning to see both the park and exhibits.

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What belongs in the ownership budget?

Review proposed improvements

Check approved structures and septic capacity before assigning value to future improvements.

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 museum hours and trail terrain before a visit.
  • Do not infer animal or building rights from acreage alone.

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%