Buying in Folsom: Your Guide to Finding the Perfect Home in Folsom, CA

Why Buying in Folsom Is a Smart Move

If you’re considering buying in Folsom, you’re making a fantastic choice! Nestled in Sacramento County, Folsom is known for its top-rated schools, outdoor recreation, and family-friendly vibe. Whether you’re a first-time homebuyer or looking to upgrade, this city offers a mix of modern amenities and small-town charm that’s hard to beat.

What Makes Folsom So Desirable?

🏡 Diverse Housing Options – From charming historic homes in Old Folsom to new-build communities, there’s something for everyone.
🎓 Top-Rated Schools – Folsom’s high-ranking schools make it a great choice for families.
🚴 Outdoor Paradise – Enjoy miles of biking trails, Folsom Lake, and the American River Parkway.
🏙️ Convenient Location – Close to Sacramento, Lake Tahoe, and the Bay Area, Folsom offers the best of city and outdoor life.
💼 Booming Economy – Tech companies and healthcare providers fuel a strong job market.

How Much Does It Cost to Buy in Folsom?

The housing market in Folsom is competitive but offers great value compared to the Bay Area. Home prices vary depending on the neighborhood, but median home prices typically range from $600K to $900K. Condos and townhomes can be more affordable, while luxury homes in Empire Ranch and The Parkway go for over $1 million.

Down Payment & Loan Options

💰 Conventional Loan – Typically requires 5%–20% down, but first-time buyers may qualify for lower down payments.
🏡 FHA Loan – A great option for first-time buyers with as little as 3.5% down.
🎖️ VA Loan – Zero down payment option for veterans and active military members.
🏦 Jumbo Loan – For high-value homes exceeding conventional loan limits.

Best Neighborhoods When Buying in Folsom

📍 Empire Ranch – Upscale golf course community with beautiful homes.
📍 The Parkway – Family-friendly, walkable neighborhood with great schools.
📍 Briggs Ranch – Established area with spacious homes and tree-lined streets.
📍 Historic Folsom – Charming downtown vibe with unique architecture.
📍 Broadstone – Convenient location with shopping and parks nearby.

Steps to Buying in Folsom

1️⃣ Get Pre-Approved – Know your budget before you start house hunting. Apply here to get started!
2️⃣ Work With a Local Realtor – A Folsom-based real estate agent can help you find hidden gems.
3️⃣ Tour Homes & Make an Offer – Be ready to act fast—homes in Folsom sell quickly!
4️⃣ Secure Your Loan – Choose the right mortgage with competitive rates.
5️⃣ Close & Get Your Keys! – Time to move in and enjoy everything Folsom has to offer!

Ready to Start Buying in Folsom?

If you’re ready to buy a home in Folsom, we’re here to help! New Way Mortgage offers fast approvals, competitive rates, and expert guidance to make your homebuying experience smooth and stress-free.

📞 Call us at 916-465-6639
📩 Email us at hello@newwaymortgage.com
🖥 Apply now HERE to get pre-approved!

🏡 Let’s find your dream home in Folsom today! 🚀

FAQs About Buying in Folsom

1. Is Folsom a good place to buy a home?
Absolutely! With top schools, great amenities, and a strong housing market, Folsom is one of the best places to live in Northern California.

2. How competitive is the Folsom housing market?
Homes in Folsom sell quickly, so it’s best to get pre-approved and work with a local agent to move fast.

3. What are property taxes like in Folsom?
Property taxes are around 1.1% of the home’s value, but certain areas may have Mello-Roos taxes. Always check before buying!

4. Can I buy a home in Folsom with zero down?
Yes! VA loans and some first-time homebuyer programs offer zero down payment options.

5. How long does it take to close on a home in Folsom?
On average, 15 to 30 days, but New Way Mortgage can help speed up the process!

📌 Don’t wait—get pre-approved today! 🏡 Apply now.