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Zach Taylor


Branch Manager / Mortgage Advisor
NMLS #315344
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“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.”

This has been my mantra for many years. During this time of tougher underwriting and frequently changing guidelines and regulations, I am your advocate to make sure the loan closes smoothly and on time. By contacting me, you are tapping into 25 years of experience, complemented by Commerce Home Mortgage's industry leading Lending platform.

I graduated from UC San Diego with a degree in Economics. I am a licensed California Real Estate Broker and have the full NMLS licensing credential that includes extensive background checks, along with State and Federal exams.I surf and coach soccer for Encinitas Express and am retired from coaching Lacrosse for Canyon Crest High School. I am married with two college age children and have lived in Encinitas for over 25 years.

Awards and Recognition

  • Chm presidents 2017
  • P club badge 2019

To learn about the personal information we will collect and how we will use it, please read our Privacy Policy.

  • Branch: San Diego/Encinitas
    2211 Encinitas Blvd, Suite 218
    Encinitas, California 92024
    Direct: (619) 813-7908
    Cell: (619) 813-7908
    Fax: (760) 374-5443
    Email :
  • Mobile application image
    • Run accurate payment scenarios using your personalized calculator.
    • Determine your qualification with the click of a button.
    • Request and print pre-approval letters directly from the app.
    • Capture and upload documents from your mobile device.
    • Real time updates when you achieve important milestones on your loan.
    • Direct communication with your loan officer using the in-app messanger
    Download My app
    • Download mobile app

      I am very excited to offer you our new mobile app which is designed to make getting your home loan approved and closed as fast and easy as possible.

      All I need is your name, email & mobile phone number. I will text you instructions on how to get started.

      • Submit

For loans in process, please log in.

For NEW loan applications:

  1. Please create an account by entering a username and password
  2. You will be sent a verification email to confirm that the email you provided is valid. Please click on the link in the email.

This two-step verification is for your safety and security. Once you click on the email, you will be able to proceed with the loan application.

All of the data can be edited on our end so if you’re unsure of anything, please feel free to estimate or leave the field blank.

If you have any questions or would like assistance filling out this application, please don’t hesitate to reach out via email, phone, or text – (619) 813-7908 .

Otherwise, I will be in touch as soon as the application is submitted. Thank you for trusting me with your home financing.

Zach Taylor

Zach Taylor

Branch Manager / Mortgage Advisor
NMLS #315344

Direct: (619) 813-7908

Cell: (619) 813-7908

Fax: (760) 374-5443


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Recent Posts

  • by CHM Marketing
    April 28, 2016

    Zach Taylor

    We are super excited to welcome Zachary Taylor, branch manager and senior mortgage advisor to our newly opened San Diego branch office! Zach comes to Commerce with over 25 years of industry expertise. Not only is he an amazing mortgage resource but I challenge you to find a nicer person…except maybe Lynette Coleman, his longtime partner who also recently joined Commerce in San Diego.  You will get to meet Lynette separately in her blog post. :) If you live in the San Diego area (or just like to visit), please consider Zach for your home financing needs.  We could not be more excited or proud to have him onboard.

    Straight from Encinitas, California, Zachary Taylor and his…

    5 things 4








    “5 Things I Can’t Live Without”:

    1. My beautiful wife.  I definitely “married up!”
    2. My wonderful kids – Colton (18) and Kelsey (21)
    3. Trips to the Central California Coast (Cayucos)
    4. Coaching Youth Soccer
    5. Exercise: runs, beach workouts, surfing, mountain biking

    “5 Things You Don’t Know About Me”:

    1. I played Lacrosse in high school and in college at UC San Diego
    2. I played soccer on the UCSD soccer team for 2 years
    3. I love to read good fiction and biographies/auto-biographies
    4. I’ve traveled and surfed many spots around the world: Maldives in the Indian Ocean, Central America, Mainland and Baja Mexico, New Zealand…
    5. I am old. :) (Not true Zach…Define old. :)

    Thank you Zach for choosing Commerce to call your new home!

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