Home - South Bay Equity Lending - Your Solution for Mortgage Loans, Refinancing & Debt Consolidation, Reverse Mortgages

SBEL is your solution when...

are ready to purchase your first home.

SBEL is your solution when...

you want to take cash out for some remodeling.

SBEL is your solution when...

you want a bank statement loan for self-employed borrowers

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.

Client Testimonials

Hear what our happy clients are saying...

“John Mills and the SBEL team were complete professionals in finding us the best loan rate and mortgage package.
They took the time to review multiple home financing options and assisted us in choosing the package that was best for us.
Most importantly, they showed true care and commitment by following up quickly on all details and making sure that we were comfortable with the process from start to finish.
I would highly recommend John and the SBEL team to my friends, family, or anyone who is looking for home financing.” – Larry Meyers

Larry Meyers
“After using South Bay Equity to purchase our home in 2013, we did not hesitate to reach out to them to refinance this past year. They gave us daily updates on the loan process, were easy to communicate with, and got us a great interest rate with a much lower monthly payment. Should any financing situation arise in the future, SBEL will be first on our list to call. We’d recommend them to anyone!”

Abrahim Bagheri
“Words can’t describe how well the South Bay Equity Lending team took care of us. Matt and Andy made our first time home buying experience as smooth as possible. Being our first time, we had tons of questions. Andy and Matt were extremely patient. They took the time to explain every step of the process and they were always available to us. Even after normal business hours! Our best interest was always their first priority. As a result, we got an amazing rate and they qualified us for a loan that covered 100% of our closing costs. We even had enough left over to buy down some points!!!!! What can I say? This team is top notch and if you are looking for a mortgage broker, look no further. What can I say, other than this team is top notch. Thanks guys”

Shawn Pascale
“Andy Elliott and his team at South Bay Equity Lending are great professionals that will go the extra mile for you. Our entire refinancing process took 4 weeks and even better, we barely had to do anything. Amazing customer service and a great connection with the banking industry. If you want someone who will work hard for you and make the refinancing process a breeze, reach out to Andy and his team.”

Huy Nguyen
“Thanks everyone! We had a great team. We will definitely be referring you if any of our friends or family are in the market.”

Adrian Benjamins