Temecula Valley Real Estate Services

The Real Estate Team,
on your Side

Real Estate Brokers Michael & Anita Marchena embody the essence of collaboration and support in navigating your real estate journey. With us by your side, whether you’re buying, selling, or investing in property, you’re backed by a dedicated team committed to your success. From expert guidance to personalized strategies, we ensure that your real estate goals are achieved with confidence and clarity. With Michael & Anita on Your Side, you’re empowered to make informed decisions and unlock the full potential of your real estate endeavors.

Local Temecula Realtors Michael & Anita Marchena


Michael & Anita Marchena

Real Estate Brokers & Mortgage Loan Expert

Experience since 201

Home Selling
Made Simple

Our app allows you to get the full-service offerings of a doctors office from the comfort of your home.

Home Buying
Made Simple

Selling your home with Michael and Anita Marchena is a seamless experience. From the initial consultation to the closing table, we guide you through every step of the process with expertise and care. Our proven strategies and personalized approach ensure that your home is marketed effectively to attract the right buyers. We handle all the details, from staging and photography to negotiations and paperwork, making the selling process simple and stress-free for you. With our dedication, knowledge, and commitment to excellence, we strive to achieve the best possible results for every client. Trust Michael and Anita Marchena to simplify the journey of selling your home.

Real Estate partnerships

Realtors, ready to help!


Michael Marchena

Realtor, Real Estate Broker, and Mortgage Loan Officer

Experience Since 2012


Anita Marchena

Realtor, Real Estate Broker

Experience Since 2017

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Dr. Damian Pix


Experience Since 2023

Our Home Buyers & Seller Testimonials

Mike and Anita are both amazing. We listed our house with them and that weekend we had over 20 showings. By then end of our first week multiple offers had come in and we ended up in escrow very shortly after. The process was so smooth and we ended up selling without any conditions. Highly recommend them

Happy Home Seller and Buyers

Anita Marchena from MarchenaHomeTeam.com did a fantastic job with our recent first-time home purchase. Anita Marchena is a true professional, and we couldn't have asked for a better realtor. Knowledgeable, dedicated and always positive. Anita viewed every house we liked, gave honest advice, and steered us away from properties that had red flags.

Happy Home Buyers

Michael and Anita are an absolute pleasure to work with. Trustworthy, honest and reliable. Couldn't ask for more from them. They have sold 2 houses for me and it was a pleasure working with them each time.

Happy Home Seller

we’re here to answer all your questions

At the heart of our business lies a deep passion for real estate. We thrive on the opportunity to assist you with all your property needs, whether big or small. From the moment you reach out to us, you’ll feel our genuine dedication to making your real estate journey as smooth and fulfilling as possible. Have questions about buying, selling, or investing? Look no further. We’re here to provide expert guidance, insightful advice, and practical solutions every step of the way. With our extensive knowledge and unwavering commitment, consider us your trusted partners in realizing your real estate goals.

The cost of working with a Realtor can vary depending on several factors such as location, the type of services needed, and the agreement between the Realtor and the client. Here are a few key points to consider regarding the costs associated with working with a Realtor:

1. **Commission Fees**: In many cases, Realtors earn their compensation through commission fees. Typically, the seller pays the commission, which is usually a percentage of the final sale price of the property. This percentage can vary but is often around 5-6% of the sale price, with half going to the seller’s agent (listing agent) and half to the buyer’s agent.

2. **Buyer Representation**: If you’re a buyer working with a Realtor to find a home, you generally don’t directly pay your agent’s commission. The commission is typically paid by the seller as part of the transaction.

3. **Listing Agreement Terms**: Sellers and listing agents negotiate the terms of the listing agreement, including the commission percentage. It’s essential for sellers to discuss commission rates and any additional fees with their chosen Realtor before signing the listing agreement.

4. **Flat Fees or Hourly Rates**: In some cases, Realtors may charge flat fees for specific services, such as consultation or paperwork. Alternatively, they may charge hourly rates for certain types of work, like legal document preparation or specialized research.

5. **Additional Costs**: While commission fees are the most common form of compensation for Realtors, there may be additional costs associated with buying or selling a property. These could include staging expenses, professional photography, marketing materials, and administrative fees.

It’s essential to have a clear understanding of the costs involved when working with a Realtor. Before entering into any agreements, make sure to discuss fees, commissions, and any other potential expenses upfront to avoid misunderstandings later in the process.

The cost of working with a lender to secure a home loan can vary based on several factors, including the type of loan, the lender’s policies, and the borrower’s financial situation. Here are some common costs associated with obtaining a home loan:

1. **Loan Origination Fees**: These are fees charged by the lender for processing the loan application. Origination fees typically range from 0.5% to 1% of the total loan amount. However, some lenders may offer loans with no origination fees.

2. **Appraisal Fees**: Lenders usually require an appraisal to assess the value of the property being financed. The cost of the appraisal varies depending on the size and location of the property but generally ranges from $300 to $600.

3. **Credit Report Fees**: Lenders pull your credit report to assess your creditworthiness. While the cost of pulling a credit report is relatively low, it may be included in the origination fees or charged separately.

4. **Title Search and Title Insurance**: The lender may require a title search to ensure there are no liens or claims against the property. Additionally, the borrower is typically responsible for purchasing lender’s title insurance, which protects the lender against any title issues that may arise. These costs can vary depending on the property’s location and purchase price.

5. **Other Third-Party Fees**: Other fees associated with obtaining a home loan may include appraisal management fees, flood certification fees, and recording fees. These fees are typically paid to third-party service providers involved in the loan process.

6. **Down Payment**: While not a direct cost of working with the lender, the down payment is a significant upfront expense that borrowers must consider when obtaining a home loan. The down payment amount varies depending on the type of loan and the borrower’s financial situation but is typically a percentage of the home’s purchase price.

It’s essential to discuss all potential costs with your lender upfront and carefully review the loan estimate provided to you. Understanding the fees associated with obtaining a home loan can help you make informed decisions and budget accordingly throughout the home buying process.

Starting the process to buy a home involves several key steps to ensure a smooth and successful experience. Here’s a general outline of how to begin the home buying process:

1. **Assess Your Financial Situation**: Before you start looking at homes, it’s essential to evaluate your financial situation. Determine how much you can afford to spend on a home by considering factors such as your income, expenses, savings for a down payment, and your credit score.

2. **Get Pre-Approved for a Mortgage**: Getting pre-approved for a mortgage is an important early step in the home buying process. It involves submitting financial documents to a lender who will then determine how much they are willing to lend you for a home purchase. This helps you understand your budget and demonstrates to sellers that you are a serious buyer.

3. **Define Your Home Criteria**: Think about what you’re looking for in a home, including location, size, number of bedrooms and bathrooms, amenities, and any specific features or preferences you have. Make a list of your must-haves and nice-to-haves to help guide your search.

4. **Start Your Home Search**: Once you have a clear understanding of your budget and preferences, you can begin searching for homes that meet your criteria. You can use online real estate websites, work with a real estate agent, attend open houses, and drive around neighborhoods to explore potential options.

5. **View Properties and Attend Open Houses**: Take the time to view properties that interest you and attend open houses in your desired neighborhoods. Pay attention to the condition of the homes, the layout, and any potential issues or concerns.

6. **Make an Offer**: When you find a home that you’re interested in, work with your real estate agent to submit an offer to the seller. Your offer will include the purchase price, any contingencies, and other terms and conditions. The seller may accept your offer, reject it, or counteroffer.

7. **Negotiate the Purchase Agreement**: Negotiate the terms of the purchase agreement with the seller until both parties reach an agreement. This may involve additional rounds of negotiation, especially if there are multiple offers on the property.

8. **Complete Due Diligence and Close the Deal**: Once your offer is accepted, you’ll enter the due diligence phase, during which you’ll conduct inspections, finalize your mortgage financing, and complete any remaining paperwork. Finally, you’ll close the deal by signing the necessary documents and transferring ownership of the property.

Throughout the process, it’s important to work closely with your real estate agent and lender to address any questions or concerns you may have and ensure a successful home buying experience.

Starting the process to get approved for a home loan involves several important steps. Here’s a general outline of what you can expect:

1. **Check Your Credit Report**: Begin by checking your credit report from all three major credit bureaus (Equifax, Experian, and TransUnion). Reviewing your credit report allows you to identify any errors or discrepancies that may impact your credit score.

2. **Improve Your Credit Score (If Necessary)**: Your credit score plays a crucial role in determining your eligibility for a home loan and the interest rate you’ll qualify for. If your credit score needs improvement, consider taking steps to boost it, such as paying down debt, making timely payments, and addressing any negative marks on your credit report.

3. **Gather Financial Documents**: Lenders will require various financial documents to evaluate your loan application. Common documents include pay stubs, W-2 forms, tax returns, bank statements, and documentation of any additional sources of income or assets.

4. **Calculate Your Debt-to-Income Ratio**: Your debt-to-income (DTI) ratio is an important factor lenders consider when assessing your loan application. Calculate your DTI by dividing your total monthly debt payments by your gross monthly income. Aim for a DTI ratio below 43% to improve your chances of loan approval.

5. **Research Lenders and Loan Options**: Research different lenders and loan programs to find the best fit for your needs. Consider factors such as interest rates, loan terms, down payment requirements, and any special programs or incentives available to you.

6. **Get Pre-Qualified or Pre-Approved**: Pre-qualification and pre-approval are two initial steps in the mortgage process. Pre-qualification involves providing basic financial information to a lender, who will then give you an estimate of how much you may be able to borrow. Pre-approval is a more formal process that involves submitting detailed financial documentation to a lender for review. Pre-approval gives you a clearer picture of your borrowing power and can strengthen your offer when you’re ready to make an offer on a home.

7. **Submit Your Loan Application**: Once you’ve chosen a lender and loan program, submit your loan application. Be prepared to provide detailed information about your income, assets, employment history, and debts. Your lender will review your application and may request additional documentation or clarification as needed.

8. **Undergo Loan Processing and Underwriting**: After you submit your loan application, the lender will begin the loan processing and underwriting process. During this time, they will verify the information you provided, assess your creditworthiness, and evaluate the property you intend to purchase.

9. **Receive Loan Approval and Close the Loan**: If your loan application is approved, you’ll receive a loan commitment letter outlining the terms and conditions of the loan. Review the commitment letter carefully, address any outstanding conditions, and prepare for the closing process. Once all conditions are met, you’ll attend the loan closing to sign the final documents and complete the purchase of your home.

Throughout the process, it’s important to communicate openly with your lender, respond promptly to any requests for information or documentation, and ask questions if you’re unsure about any aspect of the loan process. Working closely with your lender can help ensure a smooth and successful home financing experience.