From homes near Historic Folsom and the Folsom City Zoo Sanctuary area to newer neighborhoods around Empire Ranch Road and the city’s expanding south-of-50 growth areas, Folsom offers very different home styles and price points depending on where you look. Buyers weighing neighborhoods near trails, parks, and established schools often want a mortgage strategy that is simple, realistic, and fast enough to compete when the right property appears.
Better guidance for a fast-moving market
Clear loan comparisons without pressure
Help from application to closing
We help with USDA loans, conventional loans, VA loans, jumbo loans, investment loans, and FHA loans.
Our office is already in Folsom at 785 Orchard Dr #250, making it convenient for local buyers and homeowners. We are accessible from key Folsom routes including East Bidwell Street, Riley Street, and Highway 50 connectors, depending on which side of the city you are coming from.
Empire Ranch: Financing for newer upscale homes
Broadstone: Help with popular family neighborhoods
American River Canyon: Mortgage options for larger homes
Historic Folsom: Guidance for older character homes
Yes. We help buyers in areas like Empire Ranch and Broadstone as well as older parts of Folsom.
Yes. Jumbo financing may be a fit for higher-price homes depending on the property and your qualifications.
Yes. We help with both purchase loans and refinance options.
Working with a local Folsom-based mortgage broker gives you the distinct advantage of genuine community knowledge and a personal stake in your success, something that national lenders and online platforms simply can't replicate.
95630, 95671
If you are thinking about buying, refinancing, or simply want to understand your options, the next step starts with a simple conversation.
No pressure. Just clear answers and a plan.
Get Pre-Approved Online
Schedule a Call with Andrey Today
Individual NMLS #1583893 | CalDRE #02070049
Lending Concepts
Real Estate Broker — California Department of Real Estate
Company NMLS #1206623 | CalDRE #01957794
Folsom Office (Primary)
785 Orchard Dr #250
Folsom, CA 95630
Clovis Office (Brokerage HQ — by appointment)
565 Pollasky Ave, Suite 201
Clovis, CA 93612
Hours: Open 24 hours
Languages: English · Russian · Ukrainian
Языки: Английский · Русский · Украинский
Мови: Англійська · Російська · Українська
Loan Programs
Conventional Loans
FHA Home Loans
VA Home Loans
USDA Loans
Jumbo Home Loans
Refinance
Reverse Mortgage
Alternative Loans (Non-QM)
Loan Programs
About Drey
FAQ
Reviews
Mortgage Learning Center
Calculators
12-Step Pre-Approval
Blog
Schedule a Call
Company
Contact
Privacy Policy (CCPA)
Accessibility (WCAG 2.1 AA)


We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
License Disclosure
Andrey Dimitrashuk — NMLS #1583893 | CalDRE #02070049. Lending Concepts — NMLS #1206623 | CalDRE #01957794. Licensed in CA. Verify: NMLS Consumer Access · CalDRE. DRE Mortgage Loan Activities: (877) 373-4542.
Not a Commitment to Lend — Regulation Z
This is not a commitment to lend. All applications subject to credit approval, underwriting, appraisal, and title. Programs, rates, and terms subject to change without notice. Not all applicants qualify. Subject to Truth in Lending Act disclosures (12 CFR §1026).
California Consumer Privacy Act
California residents: review our Privacy Policy for information about your rights under the CCPA.
Accessibility — ADA / WCAG 2.1 AA
We are committed to digital accessibility. See our Accessibility Statement for details.
© 2026 Loans by Drey, a DBA of Andrey Dimitrashuk operating under Lending Concepts. All rights reserved.
Last updated: June 2, 2026