Homeownership doesn’t have to feel complicated. We’ll walk you through every step in plain English — with real answers, real people, and no consultation fees, ever.
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.
We bring you competitive rates while not sacrificing service.
With decades of experience, we pride ourselves on transparency and being your partner.
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.
Every homebuyer’s situation is different from each other. That’s why we build loan packages that are unique to you.
Your program is specially designed for you. We take into account everything from your credit score to future financial goals.
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.
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.
Understand what your potential rate could be by keeping up-to-date with the housing market
Connect with us and get a quote to determine your estimated monthly mortgage.
Learn the ins and outs of creating your mortgage package, so you’re all set and ready to roll!
Work with us to secure your mortgage pre-approval and get into your dream home faster
Purchasing a Home
Navigate through homebuying journey with our expert mortgage brokers’ help to simplify the process, ensuring a stress-free and rewarding experience.
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!
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.
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.
Don't let the homebuying process scare you! We're here so you can enjoy the adventure.
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.
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.
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.
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.
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.
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.
