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322 Encinitas Blvd, Suite 170 Encinitas, CA 92024 Mobile (619) 813-7908 Tel (510) 454-8718 [email protected]
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Zach Taylor
I’ll be with you every step of the way
Hi, I’m Zach Taylor. This is the bottom line: The best loan terms that fit the client’s situation and needs 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 at our Encinitas, CA, branch of America’s #1 Retail Mortgage Lender, 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, am a licensed California Real Estate Broker, and have the full NMLS licensing credential. Outside of work, 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.
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
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Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.