Nick’s Lending.Placer County
English

Explore

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

Western Placer · Unincorporated community

Get to know Placer One.

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

Placer One at a glance

Jurisdiction
Unincorporated Placer County, not the City of Roseville Source
Approved plan scale
2,213 acres and 5,636 residential units Source
Campus site
300 acres planned for Sacramento State Placer with Sierra College Source
Current home example
Brighton at Placer One by KB Home Source

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

Quick answers

Is Sacramento State Placer already open?

The developer's fall 2026 update describes the first building as in design and projects a spring 2027 groundbreaking. That is a construction milestone, not an opening date.

Are all Placer One parks already available?

No. The fall 2026 update lists Scholar Park for 2027 and Hawk's Perch Park for 2028. Ask which facilities are actually open for the phase you are considering.

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

Which parts should I compare?

The first residential villages

The county's Phase 1A description places the first villages south of the future campus and Sunset Boulevard extension, on both sides of Fiddyment Road. Compare a specific phase and lot rather than treating the full master plan as already built.

Source

Campus and town-center vision

The developer's vision includes a future university campus and mixed-use center. These are part of the long-term setting, not a promise of services available on move-in day. Compare what is open with the construction schedule for the things you expect to use.

Source

Parks coming in phases

The current developer FAQ targets Scholar Park for 2027 and describes later neighborhood and pocket parks. A named park on a plan is not an open amenity. Ask which walking routes and play spaces are usable for your actual move date.

Source

A feel for everyday life.

Placer One is the community associated with the Placer Ranch plan in unincorporated Placer County. Its schools page is a starting point for the developer's school information, but use the districts to confirm the address and enrollment year. Do not infer city services from Roseville marketing.

The developer's fall 2026 project update describes homebuilding and major road work underway. It gives estimated completion dates of late 2026 for Sunset Boulevard work and 2027 for Foothills Boulevard work. Treat those as developer projections rather than a promise about the route that will be open on moving day.

The same update describes Scholar Park as scheduled for 2027 and Hawk's Perch Park for 2028. Sacramento State Placer's first building, a forensics lab with teaching classrooms, is in design with groundbreaking expected in spring 2027. A planned campus and park system are not operating amenities.

For the home itself, compare the actual village, floor plan, lot, solar arrangement, special taxes and any HOA charges. Our new-home directory separates builder offerings from this longer-term community guide. Ask for a written cost breakdown before treating a builder incentive as a lower ongoing payment.

Make a visit more than a house tour.

Placer One project updates

Read the developer's current road, park and campus projections.

Explore the details (opens in a new tab)

Placer One schools

Developer school information to take to the relevant district for address confirmation.

Explore the details (opens in a new tab)

Compare current new-home communities

Use the separate directory for current builder information and source dates.

Explore the details

Explore homes with the full picture.

Compare home-specific builder quotes alongside the cost of solar, lot premiums and recurring property charges. The approved plan describes eventual scale; a builder contract describes the home and completion terms you would actually buy.

Builder price snapshots

Published asking prices, not closed-sale medians or a live inventory feed. Each observation has its own date.

KB Home: Brighton at Placer One

From $546,990

Model homes shown as open on the builder page.

Plus cost of solar; homesite premium may apply. Options, incentives and availability depend on the selected home and contract.

Observed 2026-10-22. Ask the builder for current pricing and availability.

Builder details
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.

New construction to explore

JMC Homes · Placer One communities

The builder advertises multiple Placer One communities. Confirm the specific lot, included features and current phase.

Builder community details (opens in a new tab)

KB Home · Brighton at Placer One

Published on the builder or master developer website. Verify current lots, pricing, taxes, options and move-in timing directly.

Builder community details (opens in a new tab)

KB Home · Canterbury at Placer One

Compare floor plans within the Placer One master plan, outside Roseville city limits. Ask which amenities are already open, which remain planned, and what solar costs and special assessments apply to the specific home.

Builder community details (opens in a new tab)
Explore 1 more builder communities

KB Home · Cambridge at Placer One

Compare floor plans within the Placer One master plan, outside Roseville city limits. Ask which amenities are already open, which remain planned, and what solar costs and special assessments apply to the specific home.

Builder community details (opens in a new tab)

New homes in Placer One

See the Placer One new-home hub

Schools and districts

The developer identifies Roseville City School District for K-8 and Roseville Joint Union High School District for grades 9-12. It says the first on-site school could open as early as 2030, subject to the district's decision. Existing assigned schools, rather than a future campus, matter for a near-term move.

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?

Start at the actual phase

Phase 1A connects with the Fiddyment Road area and existing neighborhoods to the south. Follow the current road route from the lot to work and errands; do not route a commute across a future road on the master-plan map.

Source

A regional transit option to compare

Rapid Link serves the Galleria and Roseville medical centers. Include the connection from Placer One when comparing transit with driving.

Source

What belongs in the ownership budget?

Solar and lot pricing

Brighton's published starting price excludes solar and may require a homesite premium. Ask for one written worksheet with the chosen plan, lot, options and solar purchase or financing terms before comparing it with a resale.

Source

Utilities follow the county development

The developer lists PG&E for electricity and Placer County Water Agency for water. A 95747 address does not make this a Roseville Electric home. Compare the actual service providers and rates for the new address.

Source

Tax estimate after completion

A construction-stage tax bill can reflect a different assessed value from the completed home. Ask for a purchase-based estimate including direct charges, then plan for any supplemental assessment.

Source

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 developer projections from completed road, park and campus facilities.
  • Get lot-specific taxes, solar terms and any association charges in writing.

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.

View source feed

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