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Start Your Home Loan Journey

Get Pre-Approved with Confidence

Ready to begin?


Whether you’re buying a home in Temecula, refinancing, or investing, getting pre-approved is your first smart move. It’s fast, free, and gives you a clear idea of your buying power.


Start your homeownership journey today — click below to get pre-approved in minutes.

🏠 Check My Home Loan Options

📝 Pre-Approval Document Checklist

What You’ll Need to Get Pre-Approved

To help you prepare for the pre-approval process, we’ve outlined the documents you’ll typically need. Having these ready can save time and ensure a smooth experience:


  • Personal Identification: Valid government-issued ID (e.g., driver’s license or passport)
  • Social Security Number: Needed for your credit check
  • Proof of Income: Recent pay stubs, W-2 forms, or tax returns
  • Bank Statements: Documentation of assets and available funds
  • Employment Verification: Contact details for your current employer
  • Debt Information: Details on current loans or credit obligations

Take the First Step Toward Homeownership

Ready to move forward? Click below to begin your pre-approval application. It’s fast, secure, and gets you one step closer to your new home.

Get Started

Home Loan Calculators to Guide Your Journey

Adjustable-Rate Mortgage (ARM)

Debt-to-Income (DTI) Ratio Calculator

Debt-to-Income (DTI) Ratio Calculator

Use this calculator to estimate your monthly payments on an adjustable-rate mortgage. Enter your loan amount, term, and interest rate to see how your payment may change over time.

Debt-to-Income (DTI) Ratio Calculator

Debt-to-Income (DTI) Ratio Calculator

Debt-to-Income (DTI) Ratio Calculator

Use this calculator to determine your debt-to-income ratio, see if you may qualify for a mortgage, and get an idea of how much home you can afford.

Home Sale Calculator

Debt-to-Income (DTI) Ratio Calculator

Mortgage Comparison Calculator

Use our home sale calculator to estimate how much you’ll make from selling your home. Just enter your sale price, remaining mortgage balance, estimated fees, and other details to see your potential profit.

Mortgage Comparison Calculator

Mortgage Comparison Calculator

Mortgage Comparison Calculator

Compare multiple mortgage options to see which one saves you more over time. Enter loan amounts, interest rates, and terms to find the best fit for your financial goals.

Mortgage Payment Calculator

Mortgage Comparison Calculator

Mortgage Payment Calculator

Estimate your monthly mortgage payments and view a full amortization schedule. Use this calculator to plan your finances with a clear breakdown of principal, interest, taxes, and more.

Mortgage Payoff Calculator

Mortgage Comparison Calculator

Mortgage Payment Calculator

Use this calculator to compare monthly and biweekly payment options. Discover how making extra payments can reduce interest costs and help you pay off your mortgage faster.

Refinance Calculator

Rent vs. Buy Calculator

Rent vs. Buy Calculator

Wondering if refinancing is worth it? Use our refinance calculator to estimate your potential savings. Compare current mortgage rates, loan terms, and costs to see if refinancing makes sense for you.

Rent vs. Buy Calculator

Rent vs. Buy Calculator

Rent vs. Buy Calculator

 

Use our Rent vs. Buy calculator to compare the long-term costs of renting versus owning a home. Explore personalized insights to help you decide which option makes the most financial sense for you.

Get Pre-Approved for Your Home Loan in Temecula or Murrieta mortgage pre-ap

Your Trusted Real Estate Team

MarchenaHomeTeam.com with the slogan “You’ve Got 99 Problems But a Realtor Shouldn’t Be One”

Connect with Lender Michael Marchena

Home Loan Expert: Michael Marchena


My Key Home Loans – Your trusted mortgage partner in California. Specializing in FHA, VA, Conventional, Jumbo loans, and more.


NMLS ID: 2501919 | DRE License: 02031692

Company NMLS: 3029 (Patriot Pacific Financial Corp NMLS #1921615)

Equal Housing Lender


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