Nick’s Lending.Placer County
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Explore Nick’s Lending

10-year TreasuryYield · Oct 27, 20264.990%
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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First-time home buyers

Your first home starts with a plan. Not a perfect credit score. Not all the answers.

Get clear on the payment, the cash you need and your next step. Start with a practical guide, then bring us your questions.

Get my free homebuyer kit

Enter your name and email on the next page to have the kit emailed to you.

Ready to move forward? Start a secure application

Quick answers

Open a question. Read the answer right here.

What is in the kit?

Payment worksheets, home-tour scorecards, a loan comparison sheet and a closing checklist. It is emailed to you after you request it.

Do I have to apply first?

No. You can start with the guide or a conversation. The secure application is available when you are ready.

Is my down payment the only cash I need?

No. Closing costs and money you want to keep after closing also matter. We can help you build an itemized plan.

  • 01

    Find your comfortable payment

    Plan around your life, including taxes, insurance and the savings you want to keep.

  • 02

    Know your cash to close

    See how the down payment, closing costs and your cushion fit together.

  • 03

    Shop with a useful checklist

    Keep home-tour notes, compare loan options and know what to ask next.

Nick’s Lending

You do not have to figure this out alone.

Your first question does not need to be a perfect one. Whether you are ready to shop or still wondering what is possible, we can help you work through the next step.

Connections Before Mortgages

Ask our team

A few questions you might have.

What is in the kit?

Payment worksheets, home-tour scorecards, a loan comparison sheet and a closing checklist. It is emailed to you after you request it.

Do I have to apply first?

No. You can start with the guide or a conversation. The secure application is available when you are ready.

Is my down payment the only cash I need?

No. Closing costs and money you want to keep after closing also matter. We can help you build an itemized plan.

Let’s find your next step.

Get my free homebuyer kit

Enter your name and email on the next page to have the kit emailed to you.

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 27, 2026 · 4.990%