Headshot of Chaz Hinz

Chaz Hinz

SVP of Mortgage Lending

Chaz & Justin Team

NMLS #309521

169 Saxony Road Suite 101
Encinitas, CA 92024
Contact Methods
tel Phone
mobile Mobile
(858) 922-0645
fax Fax


About Chaz

I am a multi-award winning Loan Originator in pursuit of excellence in all that I do. I believe that a "home is where your story begins" and to get you there, you need a team of experts working with you. I listen to what you value most in your transaction while taking the time to educate you on every step of the process. Transparency is also important so that I can make the mortgage process straightforward, stress-free and rewarding. Life is not perfect and it happens, so if something comes up it I will work with you to provide attainable solutions. A fair and valuable experience is what I strive to offer, every time.

My passion and commitment in the real estate/home building industry has driven me to want to become a positive agent of change in our industry. For the past 10 years I have been volunteering at the local non-profit, The Building Industry Association (BIA) of San Diego. The BIA of San Diego exists to represent the many companies that plan, design and build the many places where San Diegans live, work and play.

It’s been both personally and professionally rewarding being involved at the BIA, supporting the initiatives of our local chapter and bringing National recognition for the first time ever, as Silver Award Winners with the National Association of Home Builders (NAHB) when I served as President of the BIA Sales and Marketing Council in 2017.

When I am not helping clients to fulfill their dream of homeownership or advocating for the home building industry, I enjoy being outside in nature- taking my adorable rescue dog Roxy for a walk or hike, or playing golf with my husband and friends. I am so lucky to live in such a beautiful place where the sun is always shining and do my best not to take it for granted.


  • Purchase and Refinance
  • First Time Homebuyers
  • Jumbo Loans
  • VA Loans
Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.

The kitchen of a new homeowner

Buying now means saving later


Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line.

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*For full terms and conditions, visit ccm.com/buynowrefilater.

Recent Posts and Articles


Helping your home financing process go smoothly.


  • 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

    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

    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

    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.

What Our Clients Say

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