Eva Archuleta, The Alaska Mortgage Momma NMLS #911099

Eva Archuleta, The Alaska Mortgage Momma NMLS #911099 Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Eva Archuleta, The Alaska Mortgage Momma NMLS #911099, Mortgage brokers, 2851 Palmer Wasilla Highway #7, Wasilla, AK.

Welcome To *The Mortgage Momma Minute*... where I take time each week to answer a question that I get asked often!!
02/17/2026

Welcome To *The Mortgage Momma Minute*... where I take time each week to answer a question that I get asked often!!



More Than a Loan — Helping People Land Well in AlaskaThe Situation:A Veteran relocated to Alaska with not many local con...
02/12/2026

More Than a Loan — Helping People Land Well in Alaska

The Situation:
A Veteran relocated to Alaska with not many local connections just a really deep love for the beauty that surrounds us here.

He had his VA eligibility. He found the right home.
We navigated financing and got him clear to close. 🇺🇸

But here’s what many people don’t see…

After closing, he wasn't sure where to turn with what he might need. Luckily I told him enough times to reach out if he needed ANYTHING at all so he did.

He was looking for a connection with:
• An excellent painter
• A reliable electrician
• A place to buy animal feed
• A local favorite coffee shop where he could sip coffee and enjoy a change of scenery.

When you’re new to an area, those “small” things feel big.

The Solution:
Because relationships matter SO MUCH to me, I was able to connect him with trusted local professionals and small businesses I frequent that I think would serve him.

Not random Google searches. Not “hope this works out.”

Real people. Real connections. Real community.

Why It Matters:
As industry partners, we aren’t just transaction coordinators.

We are:
🤝 Connectors
🏡 Community builders
🇺🇸 Advocates for those who’ve served
💛 Long-term relationship partners

A smooth closing is important. But helping someone truly land well in a new place that I love?

That’s THE impact.

If you’re working with buyers relocating to Alaska — I’d love to be part of the Welcoming Committee!

Because it’s never just about the loan.
It’s about the people behind it.

Thank you to the great crew that came to our February Networking Mixer today!! It was great to see some familiar faces a...
02/07/2026

Thank you to the great crew that came to our February Networking Mixer today!! It was great to see some familiar faces and meet some new people!! Stay tuned for the MARCH Networking Mixer details! Have a great weekend!!

Thank you Cornerstone Inspection Services, LLC for the great door prize! Congratulations to Shannon Dow with content girly!

Not All Mortgage Pre-Approvals Are Created EqualThe Situation:I recently took a call from a frustrated homebuyer who had...
02/04/2026

Not All Mortgage Pre-Approvals Are Created Equal

The Situation:
I recently took a call from a frustrated homebuyer who had a pre-approval from a large online lender — one that was issued quickly and without requesting documentation.

They had an offer in on a home, but the listing agent was hesitant due to past negative experiences with that lender and asked the buyer to obtain a local pre-approval before the seller would even consider the contract.

On paper, the pre-approval looked solid.
In reality, key details had not yet been reviewed or verified.

We slowed the process down, gathered supporting documentation, verified the income source, and walked through the full financial picture before issuing a truly solid pre-approval.

Why It Matters:
A pre-approval isn’t just a number — it’s a promise that the loan actually works.

When documents aren’t reviewed upfront, buyers can face:

Surprises during underwriting

Closing delays

Unnecessary stress for all parties

And in the worst case, the risk of not closing at all

A thorough pre-approval takes a deeper look at income, assets, credit, and the story behind the numbers — allowing both homebuyers and Realtors to move forward with confidence.

When you submit an offer, it’s important to remember that sellers are being advised by their Realtor — and a solid, well-vetted pre-approval matters.

The Mortgage Momma Difference
I believe in doing the work on the front end.

That means:
• Reviewing documents right away
• Asking the right questions
• Identifying potential hurdles early
• Making sure the pre-approval truly supports the offer

It may take a little longer upfront, but it protects the transaction on the back end. I know how hard everyone in this industry works for their clients, and my goal is to come alongside buyers and partners to make sure offers are written from a position of strength.

Call to Action
If you or your clients have received a quick pre-approval and want to be sure it’s truly solid, I’m always happy to take a second look.

Confidence in your financing shouldn’t be rushed.

You Don’t Have to Be Ready Today to Start the PlanThe Sitch:This week alone, I’ve had THREE conversations that started t...
01/28/2026

You Don’t Have to Be Ready Today to Start the Plan

The Sitch:
This week alone, I’ve had THREE conversations that started the same way: “We’re not ready to buy yet… but we want to be ready by next spring and we have NO idea where it start it feels overwhelming.”

Being The Mortgage Momma isn’t just about approvals — I love coming alongside my clients and helping them lay out a plan that works for them and feels attainable on their own timeline.

Why It Matters:
Sometimes the best move is:
✔ Reviewing income and employment now
✔ Looking at credit before it’s urgent
✔ Understanding what savings really need to look like
✔ Creating a realistic timeline that removes stress

You don’t need to be house-hunting yet.
You just need a plan.

And when spring comes? You’re confident, prepared, and not scrambling.

Call To Action:
Buyers: If buying a home next spring is on your heart, now is the perfect time to start the conversation.
Realtors: Talk to your clients about being prepared and making a plan so when it comes time to look at homes you are confident that they are entirely ready! Call me lets help them succeed together!

How We Show Up MattersThe Sitch This week, I have had several conversations with Realtors who are feeling frustrated — n...
01/21/2026

How We Show Up Matters

The Sitch
This week, I have had several conversations with Realtors who are feeling frustrated — not with the work itself, but with how people are showing up in our industry.

Missed calls. Unclear communication.
Last-minute surprises. A lack of follow-through.

Not from one role in the process in particular — just across the board.

Why It Matters
Real estate is a RELATIONSHIP business and it’s also a trust business.

How we show up impacts:
• Our clients’ stress levels
• Our partners’ ability to do their jobs
• The overall experience of buying or selling a home

Very few transaction problems are caused by lack of knowledge. Most come down to communication, ownership, and respect for everyone involved.

The Values That Guide How I Show Up
At First Rate Financial, the way we show up isn’t accidental — it’s guided by our PHERM core values:

* Personal & professional growth – We are committed to investing our resources into our team members, referral partners, and families to help them achieve their goals.

* Honesty & integrity – We say what we do and we do what we say. We communicate the truth to our team members, referral partners, and families. We own our mistakes.

* Exceptional service – We set high expectations and then deliver more than is expected. We don’t make excuses. We deliver results in every area that we have control!

* Remarkable relationships – We are committed to nurturing deep and lasting relationships with our team members, referral partners, and families. We understand that they are the life blood of our business. We go out of our way to let them know we care by our actions and attitude.

* Magnetic culture – We are a place where people want to be. We have a production-based environment that is professional, comfortable, and FUN! We bring out the best in each other.

These values matter to me not just as a professional — but as a wife, mom, and someone who understands how much trust families place in the people guiding them through big decisions.

Call to Action
If you’re a professional or a home buyer who values collaboration, communication, and doing right by people — I’d love to work with you.

DID YOU KNOW? -- It’s National Hug Day 🤗This is your official permission slip to:✔ Hug your kids✔ Hug your spouse✔ Hug y...
01/21/2026

DID YOU KNOW? -- It’s National Hug Day 🤗

This is your official permission slip to:
✔ Hug your kids
✔ Hug your spouse
✔ Hug your bestie
✔ Hug a stranger
✔ Hug the friend who “isn’t a hugger” (consensually 😅)

Tag someone you owe a hug to or maybe you are too far away to give them one in person 👇

As Interest Rates Decline.. My Clients Were Offered a 4.99% Refinance Interest Rate...What HappenedA previous client cal...
01/16/2026

As Interest Rates Decline.. My Clients Were Offered a 4.99% Refinance Interest Rate...

What Happened

A previous client called for a second opinion after being randomly contacted by a big box mortgage company "promising" they could lock a 4.99% refinance rate today.

It sounded great — but it didn’t match what’s actually happening in today’s market so they were skeptical and asked for my opinion.

After reviewing the details, it became clear that the advertised rate relied on assumptions that did not apply and did not reflect the true cost of the loan that would make the most sense for them to refinance into.

Why It Matters

(Often Times) Marketing rates are NOT true and correct rates.

Offers like this can:
• Hide points or large origination fees
• Change once the application is underway
• Use urgency to rush decisions & rate locks
• Skip important conversations about goals, credit, and equity

A refinance should IMPROVE your financial position — and align with your housing needs for the years to come.

A second opinion protects you from:
• Overpaying in fees
• Locking into terms that don’t align with your goals
• Making rushed decisions under pressure

Call to Action

If you’re being marketed an Interest Rate that sounds too good to be true, pause before locking anything. Call me. I’ll walk you through what’s realistic, what questions to ask, and whether refinancing actually makes sense for you — with no pressure and no obligation.

Two NOs… One YES (with a plan)A borrower came to me this week frustrated and defeated.They had already been told NO by t...
01/09/2026

Two NOs… One YES (with a plan)

A borrower came to me this week frustrated and defeated.
They had already been told NO by two lenders because of:

*Fluctuating income & *Per diem on their paychecks

On paper, it looked messy. But messy doesn’t mean impossible.

Here’s what made the difference 👇

Instead of just saying “no,” I did what good lending actually looks like:
-Asked some questions
-I pulled the actual guidelines
-I broke down how their income is viewed by underwriting in a couple different loan programs so they could understand the WHY behind those no answers.
-And together we mapped out what needed to happen — and when

Sometimes the answer isn’t “no.”
Sometimes it’s “not yet — here’s the path forward.”

My client and their Realtor now have:

-A clear timeline
-A documented income strategy that Underwriting will love
-And a real plan toward homeownership

And that changes everything.

If you or someone you know has been told no because their income “isn’t clean,” don’t give up — get a second set of eyes that actually knows the guidelines.

📩 Message me.
I’m happy to take a look and build the plan alongside them.

Rent Was the Plan - Clarity & MOM Changed ItThe SituationThis young homebuyer was ready to move out and rent.That felt l...
01/01/2026

Rent Was the Plan - Clarity & MOM Changed It

The Situation

This young homebuyer was ready to move out and rent.
That felt like the obvious next step in his life.

But his mom asked a simple question:
“Have you thought about talking to someone about buying?”

So he did — just to explore & understand his options.

What We Discovered

Rent wasn’t his only path.

After reviewing income, credit, and monthly comfort level, buying was actually within reach — and a more stable long-term benefit versus renting.

No pressure to buy. No rushing the decision. Just clarity.

Why This Matters

Getting preapproved isn’t a commitment — it’s information.

It helps buyers:
• Compare rent vs. ownership realistically
• Understand what’s possible (and what’s not)
• Make decisions from confidence instead of assumptions
• Make plans for purchasing in the coming years if not quite ready

Sometimes the smartest move is simply asking the question first.

Call to Action

If you (or your kid) are thinking about renting but wondering if buying could be an option, let’s talk.

A conversation costs nothing — and clarity is always worth it.



Nothing Changed — And THAT IS the WinThe Situation:This Home Buyer expected something to go wrong.A last-minute issue. ...
12/18/2025

Nothing Changed — And THAT IS the Win

The Situation:

This Home Buyer expected something to go wrong.
A last-minute issue. A surprise condition.
A stressful phone call right before closing.

Because that’s what they’d been told to expect.

What Actually Happened:

Nothing changed.
The timeline stayed intact. The numbers stayed consistent.
Communication stayed clear and steady.

No scrambling. No panic. No surprises.
And that’s not luck — that’s intentional lending.

Why That Matters:

The best mortgage loan process usually doesn’t look dramatic.

It looks like:
• Clear expectations from the start
• Proactive communication through the process
• Quiet problem-solving before issues ever surface

When nothing changes, it means someone was paying attention the whole time.

Call to Action:
If you’re buying a home and hoping the process feels calm instead of chaotic, send me a message. If you work with buyers and want to team up with a local mortgage broker who comes alongside the process smoothly send me a message!!

Address

2851 Palmer Wasilla Highway #7
Wasilla, AK
99654

Telephone

+19072328018

Website

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