A good place to find info about what it is like to live in a town is City-Data website. Due to fair housing laws real estate agents can't really comment on if a neighborhood is good, bad or otherwise. Crime stats can be found on most City/ County law enforcement websites.
I would suggest spending some time in Folsom, driving around, visit some open houses, walk around neighborhoods. Do you want to be near old town or prefer a newer area?
Start by meeting with a lender or two to see what your budget will be, taking into account some developments have HOA or Mello Roos. Once you have a budget you can see what neighborhoods have homes in your price range and then see if that is where you want to live. Sometimes you have to look in a different city to find what you want. Your real estate agent can set up searches for you based on your specific criteria.
You need a team to help you: a lender, to help you determine what amount you qualify for in terms of the purchase price, downpayment, etc, and a realtor to help you evaluate homes and find the right one for you. If you'd like some articles, or ideas on how to determine how to select your team, please contact me. The information will help you determine expertise as well as who 'fits you' the best. Another way is to look at recommendations. Trulia keeps recommendations on respondents that you can review.
Good luck and I hope you find your dream home soon.
Depending on your price range and size of home there's a good chance you can find what you are looking for in Folsom. Just across the River is Orangevale which tends to have lower prices and it's only minutes away from Folsom.
As a first time home buyer you may have down payment assistant options that can be reviewed with you by a qualified lender. I use John Easterbrook with Vitek Mortgage. He has taken care of many of my 1st time home buyers. His team is great!!!
To save you a lot of driving around I am able to set you up on a Home Finder Search that will send you an email when a home matching your criteria comes on the market. It allows you to see pictures of the home to see if it's something you may want to go visit in person. I am happy to help you with that.
I hope this helped some. Call me if you have any questions. 916-251-6127
8814 Madison Ave
Fair Oaks, CA 95628
Lyon Exec. Assoc., EDH
EDCAR Top Producer, sfr
I am holding one of our listings open in Folsom this Sat from 12-3. It would be GREAT if you had the opportunity to come check it out. I will also have a lending partner there with me to assist you with any finance questions you may have. It is a lovely home in Old Folsom near the historic district. You can go to http://www.search916.com and look up listing number 13071023 or call me direct at anytime at 916-995-3678. I hope to see you there.
I hope this email finds you doing well. Folsom is a terrific city that is hard to beat when is comes to safety. It has a great reputation for quality of life in almost every way. That being said, that comes with a price and Folsom is generally a higher dollar location. Of coarse, less money doesn't always mean better price.
It would be helpful to know why you are looking in Folsom. What do like about the area and what do you view would be the benefits of living there? Then, if prices are to high, see if you can find similar aspects in other neighborhoods, Orangevale, Fair Oaks, certain parts of El Dorado Hills that appeal to you.
What would be most helpful is to sit down with a REALTOR and discuss your desires, needs, and concerns. Our team conducts many consultations that help buyers and sellers discover answers to their questions and develop a plan to help you achieve your goals.
Let us know if we can assist you further in any way!
Alex Greer Loan Officer NMLS #1056079 http://www.TheMortgageOutlet.com 408-352-5147 AGreer@TheMortgageOutlet.com