Commerce Home Mortgage, LLC

Commerce Home Mortgage, LLC


Mortgage Lending

About Us

Residential Mortgages for Home Purchase and Refinance. Over 25 years of local Encinitas experience.

“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.


Making the business fun
Employees Children's art contest winner
Zach and Lynette. Local Mortgage team for over 25 years
Lynette and her daughter
Zach's kids

Rep/Contact Info

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Zachary Taylor
Branch Manager/Mortgage Advisor