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Folsom holds a Gold Rush main street, a large Intel campus and a lake at the top of the city, and the newest half of it sits south of Highway 50 with assessments attached.
Explore mortgage options in Folsom, Sacramento 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.
The old city and the new south side
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
The assessments make more difference than the rate. Let us price both properly.
The 1850s main street with the shops, the restaurants and the older houses behind them.
A golf-course community on the northern side with larger houses.
The newest development south of the highway, still under construction.
* 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.
In Folsom, the difference between a good mortgage and the right one usually comes down to program fit, pricing, and timing.
Folsom sits in Sacramento County, part of the Central Valley's housing market, where lending activity, housing inventory, and neighborhood price points shift noticeably from one community to the next.
From conventional and FHA to VA and jumbo financing, Folsom borrowers qualify differently under each program's documentation, credit, and loan-limit rules.
Folsom borrowers frequently compare options against nearby communities such as Citrus Heights, Elk Grove, Galt.
Properties are spending about 39 days on market.
Updated 9/8/2026
Sacramento Ca Folsom is updated daily with practical mortgage guidance for this page.