Headshot of Zach Taylor

Zach Taylor

Sr. Mortgage Advisor

FMZ Team

NMLS #315344

Adress
322 Encinitas Blvd, Suite 170
Encinitas, California 92024
Contact Methods
Email
mobile Mobile
(619) 813-7908
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Awards

BBB Accredited Business A+
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Zach

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 30 years of experience. I can work with anyone in California, specializing in Del Mar, Solana Beach, Cardiff, Encinitas, Carlsbad, Oceanside, San Marcos, and Vista. Need help in another state? We have an awesome out of state team in our branch too.

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 have coached soccer for Encinitas Express and Lacrosse at Canyon Crest Academy. I am married with two children and have lived in Encinitas for 32 years.

Meet with Zach

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
A family together in their new home

Financial wellness can be yours

 

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it?

Our home equity programs can help you achieve that dream. These include:

  • Closed End Second loan
  • Home Equity Line of Credit
  • Cash-Out Refinance

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today.

Contact Me

Recent Posts and Articles

Blog

  • Published on

    Am I Ready to Buy a House?

    Here are some factors to consider, as well as some resources that can help you make a decision regarding the right time to buy.

  • A family laughing
    Published on

    How to Buy a House With Bad Credit

    Everybody makes mistakes, but a low credit score shouldn’t cost you your dreams of homeownership. Here’s how to buy a house with bad credit, along with some tips to improve your credit score for the future.

  • Published on

    When is the Best Time to Buy a House?

    The housing market is affected by many factors, but did you know that the time of year can influence the final sale price of a home? Here’s how the housing market changes during the course of the year.

  • Published on

    How Long Does it Take to Get a Mortgage Pre-Approval?

    How long does it take to get a mortgage pre-approval? To answer that, you’ll need to learn a bit more about the pre-approval process and what to expect when buying a home.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Inspiration for your home loan journey.

GALLERY

Your Mortgage Expert

A Lender You Can Trust

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