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About Us

Your Trusted Guide to Homeownership

At My Key Home Loans, we believe getting a mortgage should feel empowering — not overwhelming. Founded by Michael Marchena, we’re committed to helping families, first-time buyers, and investors find the right loan solution with clarity, confidence, and care.

We specialize in:

  • 🏡 Home purchase loans
  •  🔁 Refinancing
  •  💼 Investment property financing
  •  💬 Personalized mortgage consulting

We got you covered

Whether you’re buying your first home, upgrading, or refinancing, we’ll walk you through every step — with no pressure, just expert guidance.

Your Local Mortgage Expert

Personalized loans from a Temecula expert.

Lender Michael Marchena is ready to help!


 With years of experience in both real estate and lending, Michael brings a unique, client-first perspective to the home financing process. Based in Temecula, CA, he knows the Southern California market and is passionate about making the loan experience feel personal, smooth, and stress-free.

My Key Home Loans | Cross Country Mortgage

Temecula, CA, USA

📞 951-392-8511

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