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SBEL is your solution when...

want to lower your monthly payments

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SBEL is your solution when...

you want to refinance an investment property.

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SBEL is your solution when...

you want to take cash out for some remodeling.

Residential Mortgage Loans

SBEL has the resources and relationships to get your mortgage loan done when others can’t. We will work with you to identify the best alternative for your unique situation. This includes hard to prove income, high loan to value, too much existing debt, less-than-perfect credit, and bankruptcy or foreclosure. We are also your jumbo loan experts.

Refinancing & Debt Management

Refinancing and consolidating your debt with a South Bay Equity Lending loan can lower the total amount you pay out each month. You can even arrange to have extra cash. We’ll help you consolidate your high-interest debt, get extra cash for the things you’ve always wanted to do. You’ll get your money fast. We close loans in as little as 25 days.

Reverse Mortgage Loans

Are you a senior over 62 years of age? You may be eligible to convert part of your home equity into cash from loan proceeds. You can do this without having to sell your home or give up the title as long as property taxes and homeowner’s insurance are kept up to date. Instead of making monthly principal and interest payments to a lender, a reverse mortgage loan allows you to receive payments from the lender.

Recent News

Client Testimonials

Hear what our happy clients are saying...
  • “Words could never express how grateful and thankful we are to you for making our dream come true in buying our first home.”

  • “We do not have enough words to express our gratitude and appreciation for all your hard work, time and effort that was put into helping us. We had tried other big named banks and credit unions and they didn’t even want to bother taking the time of day to look at us with seriousness and possibly qualify us. But when we came to Lily and her awesome company, we were astounded by their dedication. The SBEL team not only took the time, but went above and beyond to help us realize our dream. Thank you from the bottom of our hearts!”

  • “Everything about being a first time home owner is terrifying, but with the help of Matt and Andy, we can honestly say that buying our first house was one of the easiest things we have ever done. The pleasure was all ours working with them. Andy kept in touch with us every day, teaching us about the process, updating us on the status of the purchase, and most importantly giving us reassurance during a time that was both exciting and frightening. This made us feel at ease and not overwhelmed unlike the stories we have heard from our friends during their house buying process. The gratitude that we have for this company is inestimable. We can’t believe everything went so smoothly! We highly recommend anyone looking to purchase or refinance to go with South Bay Equity Lending. We will surely use them again in the future. Thank you South Bay Equity Lending, you all played a huge part in making our dreams come true.”

  • “A big thank you to everyone at South Bay Equity Lending, especially Matt Hadnett and his team with the purchase of my first home. If there were any questions Matt and his team were quick to answer. They made the process as simple and easy as possible. Thank you to everyone for this check mark on my bucket list!”

  • “Thank you so much for getting this done quickly and efficiently. I highly recommend Tom Hardesty and Laura Saucedo to anyone who needs to refinance. They are a great team.”

Our Friendly Staff

Matt Hadnett

Matthew Hadnett
Principal, President

BRE# 1319592  NMLS# 313412

Nancy Solorzano

Nancy Solorzano
Loan Officer

BRE# 01404533  NMLS# 326914

Fritz Hoffman

Fritz Hoffman
Loan Officer

BRE# 01942735  NMLS# 570548

John Mills
Chief Marketing Officer

BRE# 01987451  NMLS# 1309923

Tom Hardesty

Tom Hardesty
Loan Officer

BRE# 01813100  NMLS# 824814

Josh Thomas

Joshua Thomas
Loan Officer

BRE# 01914607  NMLS# 802745

Ann Gildersleeve
Loan Officer

BRE# 01096516  NMLS# 1180651

Gabe Radford

Gabe Radford
Mortgage Broker

BRE# 01230200  NMLS# 1119924

Drew Hardesty
Loan Officer

BRE# 01989334  NMLS# 1332878

Henry Munoz
Loan Officer

BRE# 01786680  NMLS# 228855

Andy Elliott
Loan Officer

BRE# 01989622  NMLS# 869322

Chris Turkmany
Loan Officer

BRE# 01821441  NMLS# 356813

Evelyn Pam Lee
Mortgage Broker

BRE# 01717427  NMLS# 1059655

Happy Clients

Pauline Tanaka
Albert and Carolyn Baum
Jeremy Baker
Jeffrey and Kelly Hines
Shawn Pascale
Dan and Kim Pierce
Jeremy and Heather Lance
John and Karen Collins
Damon and Nicole Chu
Lily Arauz
Don't wait, contact us today for a free mortgage check-up!