Welcome to our local San Diego/Encinitas Commerce Home Mortgage office where our friendly, hassle-free mortgage advisors truly care about your individual needs. As current residents of San Diego, Encinitas and La Jolla, we take great pride in serving our local communities and their members, along with entire state of California.
Branch Manager / Mortgage Advisor
“This is the bottom line: The best loan terms that fit the client’s situation and needs that can be closed within the required time frames.”
I had an excellent, stress free experience working with Zach Taylor on my loan. He was responsive, patient and quick to return calls and emails. I would definitely recommend Zach.
Zach was very responsive and good at guiding clients through some of the complexities of the loan process. I could tell that he really wanted to help me get a loan and was patient through some cha...
Zach was an exceptional help to us when buying our first home. He always fought for the best rates and was quick to respond to any and all questions we had.
I have purchased a few homes and gone through a few refinances in my lifetime and I must say Zack and is team were amazing to work with!! They made the process so easy and hassle free. Whenever I ...
Zach was extremely thorough and professional throughout the process and a pleasure to work with.
Zach and his team was amazing! In this demanding market where sellers are weary of VA loans Zach made all the right moves to reassure the sellers and get our VA loan approved in 22 days!! Simply a...
Zack and his team made our home buying experience a breeze. They were available around the clock and even available to meet us in person at a local coffee shop. Zach treated us like people as oppos...
Lynette was a great asset to us during our homebuying process. She was knowledgable about the mortgage lending process and gave great advice. We put Lynette into situations that required her to mee...
CHM assists by contributing to the Boys & Girls Club in Encinitas. They serve over 65 youth per day and offers kids a technology center, arts center, multi-purpose room, entertainment room, and library.