Navigating the Folsom Housing Market in 2025: Key Trends and Mortgage Insights
Why the Folsom Housing Market Remains Strong Despite Economic Shifts
As 2025 unfolds, Folsom’s real estate market continues to showcase resilience, despite fluctuations in interest rates and economic conditions. Whether you’re a first-time homebuyer or a seasoned investor, staying informed about market trends is crucial to making sound financial decisions.
At Alltrust Lending, we provide expert mortgage solutions tailored to the ever-changing landscape. If you’re considering purchasing a home or refinancing your mortgage in Folsom, CA, here’s what you need to know.
Current Housing Market Trends in Folsom, CA
The Folsom housing market remains competitive, with properties selling quickly and buyers adapting to new mortgage rate trends. Here are some key insights:
✅ Home Prices Adjusting: The median sale price in Folsom, CA, was $721,250 as of January 2025, a 12.6% decrease from the previous year. This presents opportunities for buyers looking for better deals.
✅ Increased Days on Market: Homes are staying on the market for an average of 45 days, compared to 32 days last year. Buyers now have more time to explore options and negotiate favorable terms.
✅ Stable Mortgage Rates: Despite fluctuations, mortgage rates have remained around 7%, allowing homebuyers to lock in competitive financing.
As the market evolves, having a trusted mortgage broker in Folsom, CA can help you navigate these changes and secure the best loan options.
Should You Buy a Home in Folsom in 2025?
If you’re wondering whether now is a good time to buy, here are a few factors to consider:
🔹 Lower Home Prices – With prices adjusting, buyers have a better chance to find a home that fits their budget.
🔹 Rising Rental Costs – Rental prices continue to increase, making homeownership a more cost-effective long-term investment.
🔹 First-Time Buyer Opportunities – With more available inventory, first-time homebuyers in Folsom can explore FHA and VA loan options with lower down payments.
If you’re ready to explore financing options, contact Mike Adams at Alltrust Lending for a personalized consultation.
How to Get Pre-Approved for a Mortgage in Folsom, CA
Getting pre-approved is the first step to homeownership. It gives you a clear understanding of how much home you can afford and strengthens your offer when competing with other buyers.
Steps to Secure Your Mortgage Pre-Approval:
1️⃣ Check Your Credit Score – A higher score means better loan terms.
2️⃣ Gather Financial Documents – This includes tax returns, pay stubs, and bank statements.
3️⃣ Compare Loan Options – Work with a top-rated mortgage broker in Folsom, CA to find the best rates.
4️⃣ Submit a Mortgage Application – At Alltrust Lending, we make the process smooth and hassle-free.
Want to see how much home you qualify for? Start your pre-approval today.
Why Choose Alltrust Lending for Your Mortgage Needs?
🏡 Local Expertise: Our team understands the Folsom real estate market and can match you with the best loan options.
💰 Competitive Rates: We help clients find affordable mortgage solutions in Folsom, CA to maximize their investment.
📈 Fast & Efficient Process: We streamline the mortgage process, ensuring quick approvals and minimal stress.
For expert mortgage guidance, visit Alltrust Lending, your trusted mortgage brokerage in Folsom, CA.
Final Thoughts: Take Advantage of Today’s Market
Despite shifts in home prices and mortgage rates, buying a home in Folsom is still a smart move for long-term financial stability. With professional guidance from Mike Adams at Alltrust Lending, you can secure the best mortgage options and make informed decisions about your future.
📞 Ready to take the next step? Schedule a consultation with Mike Adams today!