Find Your Eureka Moment
Homeownership doesn’t have to feel complicated. We’ll walk you through every step, with real answers, real people, and no consultation fees, ever.
Eureka Mortgage Planning (NMLS #2456819) is an independent mortgage brokerage based in Roseville, California, licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, and TN. Our brokers compare options from 25+ wholesale lenders across 11 loan paths, including Conventional, FHA, VA, USDA, Jumbo, and Non-QM, and there’s no fee to talk to a broker.
Why “Eureka”?
Eureka means “I have found it” — and our name is a promise: the moment the fog lifts and your path to homeownership becomes clear. There’s a story behind it, from Archimedes to the California Gold Rush to the moment we live for with every client.
Competitive rates, real options
We bring you competitive rates while not sacrificing service.
A company
you can trust
you can trust
With decades of experience, we pride ourselves on transparency and being your partner.
Simplicity meets
speed
speed
Using the most up-to-date technology, we're able to make your homebuying process quick and easy.
We provide a premier mortgage experience, supported by a team that you can trust.
What clients say
100verified client reviews on public Google profiles
5.0star average across every one of them
14originators with public review pages you can read yourself
Counts are tallied from the platforms themselves and re-verified with every update (last verified September 2026). We never write, buy, or filter reviews. Read the reviews.
In Their Words
Real clients, real words, from public review profiles. We never write, buy, or filter reviews.
“Nick was not only professional and responsive, he was my advocate. He handled the progression of my loan with integrity… he is willing to go the extra mile. When seeking future financing for myself or others, I can highly recommend Nick.”
Susan I. · Zephyr Cove, NV · Homebuyer
Worked with Nicholas Boliard, NMLS #948776
“I had a great experience working with Jerry and his team to purchase my first home. They were friendly, knowledgeable and responsive which made the entire process feel smooth and manageable. Highly recommend!”
Tori T. · First-time homebuyer · Google review, 2026
Worked with The Jerry Wilson Group, Beaverton, OR · View on Google
“As first time Homebuyers, we had so many questions and had no idea where to start, until we met Lance. Lance was so patient and informative, and kept us updated every step of the way. He made the process painless…”
China S. · First-time homebuyer · Google review, 2024
Worked with Lance Skirvin, NMLS #278625, Lodi, CA · View on Google
Programs Designed for you
Customized Solutions For Every Situation
Every homebuyer’s situation is different from each other. That’s why we build loan packages that are unique to you.
1-to-1 Programs
Your program is specially designed for you. We take into account everything from your credit score to future financial goals.
Variety of options
Whether it's a FHA, VA, USDA, or unique financing loan, we bring you a wide selection of loan products, so you have the option to pick and choose.
free Consultations
We want what's best for you. That's why we don't charge consultation fees. Reach out to us, and let's work together to find the right mortgage for you.
Eureka Mortgage Planning Expert Advice
Seasoned brokers who know where deals get stuck, and how to move them forward.
Explore Your Rate Options
Understand what your potential rate could be by keeping up-to-date with the housing market
Determine Your Monthly Payment
Connect with us and get a quote to determine your estimated monthly mortgage.
Build Your
Mortgage
Learn the ins and outs of creating your mortgage package, so you’re all set and ready to roll!
Get Your Mortgage Approved
Work with us to secure your mortgage pre-approval and get into your dream home faster
Mortgage Solutions
Pathways to Homeownership
Fund your dreams
Purchasing a Home
Navigate through homebuying journey with our expert mortgage brokers’ help to simplify the process, ensuring a stress-free and rewarding experience.
Save money
Veteran Loans
Are you a veteran, active military personnel, or surviving spouse looking for a home? Look no further. Take advantage of your VA benefits today!
Get more space
Refinancing
With our refinancing expertise alongside our high quality service, we build programs specific to your unique needs. See all of our refinancing options here.
Get more space
First Time Homebuyer
Purchasing your first home is a significant milestone, and we’re here to guide you through every step of the process so you don’t have to worry.
Are you planning to buy a home? We will take care of everything!
Don't let the homebuying process scare you! We're here so you can enjoy the adventure.
Loans Handled
500
+
Frequently Asked Questions (FAQ)
What does a mortgage broker do?
A mortgage broker connects you with the right loan from many lenders, instead of offering just one bank’s products. We compare programs, handle the paperwork, and guide you from pre-approval to closing — working on your behalf, not a single lender’s, to find the loan that fits your situation.
Does Eureka charge consultation fees?
No — consultations are always free. You can talk through your goals, ask questions, and get a clear picture of your options at no cost and no obligation. There’s never a fee just to explore whether buying or refinancing makes sense for you right now.
What types of home loans does Eureka offer?
Eureka offers a wide range of home loans, including conventional, FHA, VA, USDA, jumbo, new construction, manufactured home, and non-QM options for self-employed and unique borrowers. Whatever your situation looks like, we’ll help match you with the loan program built for it.
How do I get Pre-Approved for a mortgage?
Getting pre-approved starts with a short conversation and a review of your income, assets, and credit. We’ll let you know how much you may qualify for and provide a pre-approval letter so you can shop with confidence. You can start online or call your local Eureka broker.
What credit score do I need to buy a home?
There’s no single magic number — different programs have different guidelines, and some start around a 580 credit score. Even if your credit isn’t perfect, it’s worth a conversation; we can often find a path forward or help you get ready to qualify down the road.
How much do I need for a down payment?
It depends on the loan. Some programs allow as little as 0% down (Down Payment Assistance, VA and USDA, for eligible buyers), 3.5% for FHA, or 3% for many conventional loans. We’ll walk you through which options you qualify for, since the right down payment depends on your goals and budget.
Topics For You
More on the blog
Real clients, real words. Our brokers hold a 5.0-star average across 100 public Google reviews, earned one closing at a time and re-verified September 2026. Read them before you call.
FREE 13-PAGE GUIDE
Your Eureka Moment.
The First-Time Home Buyer Guide: every step from the first conversation to keys in hand, in plain language. Download it and read at your own pace.