About

CrossCountry Mortgage | Eureka Branch — 1st Street

Branch NMLS #2808762 | Company NMLS #3029 | Equal Housing Opportunity

Welcome to CrossCountry Mortgage in Eureka, California. Located at 322 1st Street along the historic Old Town waterfront, our dedicated branch team provides dependable, transparent, and personalized home financing solutions to buyers, homeowners, and real estate professionals across Humboldt County and Northern California.

With more than two decades of local lending experience on the North Coast, our office combines deep community knowledge with the underwriting strength, agile technology, and expansive product access of a nationwide direct mortgage lender. We understand the unique aspects of Humboldt County real estate—from coastal microclimates, historic Victorians, and rural acreage to complex appraisals, title nuances, and self-employment income profiles.

Whether you are stepping into homeownership for the first time, upgrading to accommodate a growing family, tapping your equity for retirement, or renovating a property, our local team delivers high-touch communication, in-house processing support, and fast, dependable pre-approvals that local Realtors trust.

Comprehensive Mortgage Solutions We Provide:

• First-Time Homebuyer Programs: Low down payment options including Conventional (3% down) and FHA (3.5% down) with one-on-one buyer guidance.

• Down Payment Assistance (DPA): Approved lending for CalHFA (Dream For All, MyHome), GSFA Assist-to-Own, and municipal assistance programs.

• VA Military Financing: 0% down payment financing with no monthly mortgage insurance (PMI) for veterans, active military, and surviving spouses.

• USDA Rural Development: 100% financing (0% down) for designated rural communities across Humboldt County.

• Reverse Mortgages (HECM): Government-backed home equity strategies empowering homeowners age 62 and older to enhance retirement financial flexibility.

• Home Renovation & Fixer-Upper Loans: FHA 203(k) and Fannie Mae HomeStyle financing to bundle home purchase and remodel costs into a single loan.

• Self-Employed & Non-QM Solutions: Bank statement loans, 1099 programs, and DSCR investor financing tailored to business owners and independent contractors.

• HUD Section 184: Specialized mortgage guarantees for enrolled Native American tribal members on and off tribal trust land.

Communities We Proudly Serve:

Eureka, Arcata, McKinleyville, Fortuna, Ferndale, Trinidad, Rio Dell, Blue Lake, Willow Creek, and throughout Humboldt, Del Norte, and Mendocino Counties (licensed across CA, AZ, OR, and WA).

At our 1st Street branch, we believe home financing should feel clear, comfortable, and collaborative. Contact our Eureka lending team today for an equity review, local scenario analysis, or a fast 24–48 hour pre-approval!

CrossCountry Mortgage 

322 1st Street, Eureka, CA 95501 | Direct: (707) 606-7053