Eureka Mortgage Planning LLC

11/03/2026

Conventional is just one door. 🔑

Every home and every borrower is different, which is why we work across 11 loan paths:
01 Conventional
02 FHA
03 VA
04 USDA
05 Jumbo
06 Non-QM (great for self-employed borrowers)
07 Reverse
08 Home Equity / Seconds
09 Land
10 New Construction
11 Private Money

You don't need to know which one fits. That's our job. One conversation and we'll point you to the paths worth exploring.



Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

11/03/2026

FHA or conventional? One is often easier to qualify for, the other lets you cancel mortgage insurance. Here's how to tell which fits you.

https://eurekamortgage.net/2026/11/03/fha-vs-conventional-loan-which-is-better-for-you-in-2026/

Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

FHA is often easier to qualify for with lower credit; conventional lets you cancel mortgage insurance. Compare costs, requirements and which fits you.

10/29/2026

Happy Halloween! Some mortgage words sound a lot scarier than they really are.

Underwriting: the lender's careful review of your loan file to confirm everything fits its guidelines.

Escrow: a neutral party that holds funds and documents until everything is ready to close.

Amortization: how each payment splits between interest and principal over the life of the loan.

Got a mortgage word that spooks you? Drop it in the comments and we'll explain it. 💬



Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

10/28/2026

Considering an adjustable-rate mortgage? Rate caps decide how much your rate can ever change. Here's what 2/1/5 and 5/1/5 caps mean and where to find them on your Loan Estimate.

https://eurekamortgage.net/2026/10/28/how-arm-rate-caps-work/

Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

ARM rate caps limit how much an adjustable rate can change. See what 2/1/5 and 5/1/5 caps mean, how often SOFR ARMs adjust, and where to find your caps.

10/27/2026

Bank or broker: what's the difference? 🗺️

When you go to one bank, you get one lender's loan menu and one set of guidelines. If they say no, you start over somewhere else.

As a mortgage broker, we compare options across 25+ wholesale lenders and 11 loan paths. One lender saying no isn't the end of the road. It just means we look at the next option.

Same goal, more ways to get there. Questions about how it works? Drop them below. 💬



Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

10/22/2026

Self-employed and told your tax returns don't show enough income? You're not out of options. 🏡

Smart write-offs can lower your taxable income, and that's often what traditional loan programs look at. Some programs can qualify business owners using bank statements or a profit and loss statement instead of tax returns alone.

Business owners, 1099 earners, freelancers, and gig workers: your tax strategy can work for you, not against you.

Send us a message and we'll walk through which programs fit how you earn.

#1099

Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

10/20/2026

Think you need a huge down payment before you can buy? You're not alone. It's one of the most common reasons people put off looking. 🏡

Here's what most buyers don't hear: depending on the program, many people need far less than they expect, and some qualified buyers need little or nothing down.

Finding out what's actually true for your situation? That's a Eureka moment. ✨

Comment or message "START" and we'll walk through your real numbers with you. No fees, no pressure.



Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

10/15/2026

What does a mortgage broker actually do? Here's the short version. 🗺️

1. You tell us your goals: your budget, your timeline, and what matters most to you.
2. We compare loan options from 25+ wholesale lenders with one application.
3. We lay out every option side by side so you can choose with clarity.

You get a team in your corner instead of shopping lender by lender on your own. And there's never a fee to talk.

Questions about how it works? Ask us anything in the comments. 💬



Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

10/14/2026

The 2027 conforming loan limit arrives in late November. Here's how FHFA sets it, what early signs point to, and what a higher limit means if you're buying near the line.

https://eurekamortgage.net/2026/10/14/2027-conforming-loan-limits/

Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org

The 2026 conforming loan limit is $832,750. Here is how the 2027 limit is set, when FHFA announces it, and what a higher limit means for buyers near the line.

10/13/2026

Hi, we're Eureka Mortgage Planning. 🏡

We're an independent mortgage brokerage based in Roseville, California, and that word "independent" matters. We don't work for one bank. We work for you, comparing loan options across 25+ wholesale lenders to find the one that fits your life.

No consultation fees, ever. No question too small.

Follow along for real answers about buying, refinancing, and owning a home. Have a question right now? Send us a message. 💬



Eureka Mortgage Planning LLC – NMLS #2456819 · Equal Housing Lender · Not a commitment to lend. Terms subject to change. Licensed in CA, OR, WA, ID, AZ, TX, FL, NM, NV, TN. www.nmlsconsumeraccess.org