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 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.
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.
SBEL is your solution when…a reverse mortgage will eliminate your monthly mortgage payments and give you the extra cash to…
SBEL is your solution when…you are in the middle of a construction project and you realize you need additional financing.…
SBEL is your solution…when a reverse mortgage will allow you to retire in place. Situation: Ray Strait had seen…
“Challenging was to say the least. Tom, my lender worked diligently to help me qualify for my new home. I cannot thank Tom and South Bay Equity enough! Dreams do come true!”
“We were on the verge of losing our family’s fresh start in a new home near our family. Tom and Drew saved the day, and in record time! We love our new home and wouldn’t be here today without South Bay Equity.”
It was a pleasure to work South Bay Equity Lending in purchasing our vacation home as well as refinance our current mortgage. Both processes were smooth, quick, and resulted in great interest rates along with securing our new San Luis Obispo home. South Bay Equity Lending provided spectacular customer service, provided immediate feedback on all of our questions, as well as creative ideas for our situation. We highly recommend them for anyone that needs home financing and is looking for great people to work with. Thank you SBEL!
“Matt, Andy and the team at South Bay Equity were a breath of fresh air to work with. Their professionalism and expertise turned what was a very difficult and cumbersome process into a smooth transaction. They are now (without hesitation) my top referral to anyone looking to buy a home.”
“I have refinanced my mortgage three times over the past 14 years, all handled by South Bay Equity Lending. They are the best at managing the entire mortgage process, from finding the right deal for you, all the way through to closing the deal.”
“Applications for mortgages these days are complicated and highly detailed, with much supporting documentation required. The folks at South Bay Equity Lending do all the hard work for you. They start by knowing the mortgage marketplace, finding you the best mortgage option for your personal financial situation. Then they guide you through the application, providing you a list of required supporting documents, and working with the lender to keep the process moving along. They assist you in any way they can, and they even make the document signing process work in a way that fits your busy schedule. “
“I have worked with other mortgage brokers, but none have measured up to the high standards of South Bay Equity Lending. They’re honest, dependable, and focused on securing the deal that’s best for you. I will continue to use them for all my mortgage needs, and I highly recommend that you work with them for your next mortgage, whether it’s a new home purchase or a refinancing. You can always depend on them to get the right deal done right.”