Zachary Taylor is a mortgage lender with 30 years of experience. Over 25% of his business involves people in some phase of the divorce process.
Zach knows the divorce guidelines, and is able to access programs from his company (Commerce Home Mortgage) as well as programs from dozens of other banks, lenders, and Wall Street investment firms. This allows him to achieve his main goals for his clients: Get them the best rate, and one that fits their situation, that can be approved and that can be closed within the required time-frames.
The division of real estate property in divorce can be challenging to navigate. Contacting Zach as early in the process as possible helps people to have a more seamless experience. He will determine if you can do a buyout or will have to sell. He will also determine if you can buy a new property based on your “post-divorce” situation using the buyout or sale proceeds. This can save time and prevent unexpected difficulties during the settlement process.
Zach has experience helping people who are going through divroce to better understand and determine the issues involving property and mortgages. Zach shares a common mission with the other professionals in the Carlsbad Hub: to provide information and support so that people can feel confident and have peace of mind with the decisions they make in the divorce process. Zach wants to be a valued resource, whether or not a new mortgage is needed, and can also help address issues about credit as well.
Included in Zach’s 30 year of lending experience, is a 98% close ratio since 2008 to present, which happens to be the tightest lending environment ever! He has closed over 2,000 transactions. His background includes underwriting and approving loans. For 16 years he was Managing Broker and Partner is a successful local mortgage company. He is a licensed California Real Estate Broker and passed the Federal and State Mortgage tests with all background checks required for the NMLS license. He is a graduate of U.C. San Diego with a B.A. in Economics.
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