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Colfax is a small town at 2,400 feet where the transcontinental railroad still runs through the middle, and its housing is mostly older stock on wooded lots.
Explore mortgage options in Colfax, Placer County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
Foothill prices along the railroad
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Septic, wells and fire insurance decide these deals. Let us work through them early.
The old commercial blocks beside the tracks with the depot and the oldest houses.
The wooded ridge above town with larger parcels and long driveways.
The road toward the reservoir with rural parcels and lake access.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Buying a home in Colfax starts with matching the right loan program to the neighborhood you want and the payment you can carry.
Placer County anchors this corner of Central California's housing market, and Colfax reflects it — lending volume, inventory, and price points here track the county while staying distinctly local.
Financing choices in Colfax span conventional, FHA, VA, and jumbo structures, and the right fit depends on documentation, credit profile, and program-specific loan limits.
Colfax borrowers frequently compare options against nearby communities such as Auburn, Lincoln, Loomis.
Updated 9/27/2026
Placer Ca Colfax is updated daily with practical mortgage guidance for this page.