Folsom Mortgage Broker — Sacramento’s Most Coveted Suburb
Folsom is consistently ranked among California’s best places to live — a master-planned suburban city east of Sacramento with outstanding schools, Folsom Lake State Recreation Area, a thriving historic downtown, and a high concentration of tech and government professionals from Sacramento’s growing technology sector and UC Davis. In 2026, Folsom’s median home price sits in the $650K–$900K range, with newer luxury developments and lakefront properties pushing $1M–$2M. The buyer profile spans first-time buyers in Folsom’s entry-level communities to trade-up buyers in Empire Ranch and Broadstone. DiVita Home Finance serves Folsom buyers across all price tiers with conventional, FHA, VA, and jumbo programs.
Folsom Real Estate: 2026 Market Overview
Folsom’s neighborhoods span from established mid-century areas to new master-planned developments. The historic district and older Folsom neighborhoods offer smaller SFH at $550K–$750K. Empire Ranch — one of Folsom’s most sought-after planned communities — has SFH at $750K–$1.2M. Broadstone is a luxury planned community with $900K–$1.6M SFH. The Palladio-adjacent neighborhoods and Russell Ranch areas have newer construction at $700K–$1.1M. Lakefront properties on Folsom Lake command $1M–$2.5M premiums.
- Older / entry Folsom SFH: $550K–$750K — Conventional, FHA, VA, CalHFA
- Empire Ranch / mid-range: $750K–$1.2M — Conventional to low jumbo
- Broadstone / luxury: $900K–$1.6M — Conventional to low jumbo
- Lakefront: $1M–$2.5M — Jumbo
Mortgage Options for Folsom Buyers
Conventional Loans: The large majority of Folsom’s market falls within the Sacramento County conforming limit, making conventional financing the dominant product. We offer 3%, 5%, 10%, and 20% down conventional programs with competitive agency pricing.
CalHFA / Down Payment Assistance: Folsom’s entry-level market — particularly older neighborhoods and attached units — is well-suited for CalHFA Dream For All and CHDAP programs for income-qualifying first-time buyers. We confirm eligibility before you shop.
VA Loans: Folsom and the greater Sacramento region have a significant military and veteran community from Mather Airport (former AFB), Beale AFB, and Sacramento area bases. Zero down VA financing is available for eligible veterans throughout Folsom.
New Construction Financing: Empire Ranch, Broadstone, and Russell Ranch have new construction phases. We help buyers compare builder-offered financing against our programs to ensure the best total cost.
Frequently Asked Questions — Folsom Mortgage
Why do Bay Area buyers choose Folsom?
Folsom offers significantly more space, better schools, outdoor recreation, and community quality at a fraction of Bay Area pricing. Remote work has accelerated Bay Area-to-Folsom relocation substantially. We handle these relocation purchases regularly, including concurrent sell-in-Bay-Area, buy-in-Folsom transactions.
What is the conforming loan limit for Folsom / Sacramento County?
Sacramento County’s conforming limit is lower than Bay Area high-cost counties — most of Folsom’s market falls comfortably within the standard conforming limit, making agency-priced conventional loans widely accessible.
Does CalHFA apply in Folsom?
Yes, for income-qualifying buyers in the right price range. Folsom’s entry-level SFH and attached units are CalHFA-eligible territory. Call us to confirm your specific income and target purchase price before you start shopping.
📞 Call or Text: (800) 239-1103 | Text: (310) 849-9124
Michael DiVita — DRE #01372066 | NMLS #241655 | Company DRE #01818285 | NMLS #323700
