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 want to thank Zach and his team for helping me get through my first home purchase, making it the best experience ever. I almost gave up, more posponed my home purchase, my previous lender was mak...
Zach was always available and able to answer my loan questions. He seemed happy to help with whatever was needed to ensure that we were comfortable with our loan, terms, etc.
That was Easy!
The re-fi experience was great. I really loved the secure portal. It made providing documents so easy and fast. Zach provided several options, which really helped. He also fully disclosed all e...
Zach and all his associates were very professional and quick to respond to questions. They gave us confidence during the loan process.
Working with Zach was an extremely enjoyable and stress-free
experience in what could have been stressful. Buying a home
is a major undertaking and Zach and his team led us through
the process in a...
Zach was great. Helped to negotiate and navigate a tricky loan and escrow.
Couldn't have closed on my investment property without him!
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.