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Homebuyers reviewing mortgage paperwork with model houses and keys
Start Your Home Loan Journey

Start Your Home Loan Application

Ready to begin?


Tell us about your goals and we’ll help you understand the available next steps. A completed application allows Michael Marchena to review your information and discuss options that may fit your situation.


Start the secure online loan application when you’re ready.

Start Secure Application
Five completed checklist steps beneath a house outline

Application Preparation Checklist

Documents to Prepare

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

What Happens Next

1. Submit the secure application.
2. Michael reviews the information you provide.
3. Discuss available options and next steps.

Program availability, eligibility, and terms vary.

Start Secure Application

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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