How 50-Year Mortgages and Portable Loans Could Reshape Placer County Real Estate

Posted by Patrick Hake on December 4th, 2025

There’s been increasing discussion about two major mortgage ideas that could reshape the U.S. real estate landscape: 50-year mortgages and portable mortgages. These proposals are designed to help unlock a market that has largely frozen in place, offering new ways to improve affordability and mobility—especially in high-cost areas like Placer County.

With inventory remaining tight across our region and throughout California, here’s a clear breakdown of what these proposals mean, how they might help, and what limitations still remain.

The 50-Year Mortgage: Pros, Cons & What It Solves (and Doesn’t)

A 50-year mortgage simply stretches a traditional 30-year mortgage into a longer term, reducing the monthly payment.

Potential Benefits

Lower…

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January 2025 Placer County Housing Market Update – Big Shift Incoming?

Posted by Patrick Hake on February 5th, 2025

The latest Placer County housing market data is in, and while closed sales are down, there’s an interesting shift happening that could signal more activity ahead.

 

Inventory is Up – The number of homes for sale increased 49% year-over-year and 10.4% from last month, giving buyers more choices.

Closed Sales Are Down – Home sales dropped 5.5% from last year and 33.2% from last month, reflecting a seasonal slowdown in new contracts in December.

Pending Sales Are Way Up – Despite fewer closed sales, pending sales jumped significantly at the end of January, showing that more homes are going under contract and the 2025 has started off strong.

Pricing Trends – The median sold price increased by 2% from last month, but the average sold price…

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Placer County is Growing While California Shrinks – Here’s What That Means for Real Estate

Posted by Patrick Hake on January 31st, 2025

While many parts of California have seen population declines in recent years, Placer County continues to grow. More people are choosing to relocate here, fueling demand for housing and strengthening our local real estate market. But where are they coming from, and what does this mean for buyers and sellers? Let’s take a closer look.

Placer County’s Population Growth (2020-2024)

Between 2020 and 2024, Placer County’s population grew by approximately 8,100 residents, which equates to an annual growth rate of 0.5%. This growth was largely concentrated in the county’s incorporated cities—Roseville, Rocklin, and Lincoln—which collectively grew by 10,052 residents (0.9% annual growth). Meanwhile, unincorporated areas saw a slight decline of about 1,947…

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