Ready to begin?
Tell us about your goals and we’ll help you understand the available next steps. A completed application allows Michael to review your information and discuss options that may fit your situation.
Use the secure application below when you’re ready.

To help you prepare for the application review, gather the documents that commonly support income, assets, employment, identity, and current obligations. Additional items may be requested based on your situation:
Personal Identification: Valid government-issued ID, such as a driver’s license or passport
Social Security Number: Used for required identity and credit review
Proof of Income: Recent pay stubs, W-2 forms, or tax returns, as applicable
Bank Statements: Documentation of assets and available funds
Employment Verification: Current employer contact information
Debt Information: Details about current loans and credit obligations
Ready to move forward? Use the secure application below to provide the information needed for a personalized review. Program availability, eligibility, and terms vary.
Michael Marchena, Mortgage Loan Originator | NMLS #2501919 | California DRE #01918167
Mortgage services offered through Perez Consulting Inc. dba Top Loan Fundings | NMLS #1943565 | California DRE #02084080
Licensed by the California Department of Real Estate. Equal Housing Opportunity.
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Clear mortgage guidance for California homebuyers.
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