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.

Recent News

Jorg Wallrabe’s Success Story

Jorg Wallrabe’s Success Story

SBEL is your solution when…a successful self-employed entrepreneur would like to re-invest in his business and consolidate some existing debt.…

Client Testimonials

Hear what our happy clients are saying...
  • “Thanks to Josh! He’s an honest man, full of integrity & he’s hard working. He made a complicated and scary process so much easier – and he did it with a big smile and a great attitude.”

  • 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!

  • “It was very easy to work with John and SBEL. We have refinanced a couple of times in the past, and this was the easiest, quickest and least painful refi transaction we have experienced by far. John was very accommodating and flexible to meet our requests. The whole process was done fast and easily, in a friendly and easy-going environment. I would recommend anyone with a need for real estate financing to work with SBEL. The whole staff at SBEL are amazing!”

  • “Nancy was able to get me the BEST rate on the market and I will undoubtedly be referring her and South Bay Equity Lending to my family, friends, clients, and co-workers. Thank you Nancy for your incredible service, you’re a true professional!”

  • “I have worked with Josh thru 3 refinances of my mortgage. He is so understanding, patient and explains everything to you as the process goes along. Always willing to answer ALL you may have. No question is stupid. I highly recommend Josh for all your mortgage needs.”


Our Friendly Staff

Matt Hadnett

Matthew Hadnett
Principal, President, Broker

DRE# 1319592  NMLS# 313412

Nancy Solorzano

Nancy Solorzano
Loan Officer

DRE# 01404533  NMLS# 326914

Fritz Hoffman

Fritz Hoffman
Loan Officer

DRE# 01942735  NMLS# 570548

John Mills
Chief Marketing Officer, Loan Officer

DRE# 01987451  NMLS# 1309923

Tom Hardesty

Tom Hardesty
Loan Officer

DRE# 01813100  NMLS# 824814

Josh Thomas

Joshua Thomas
Loan Officer

DRE# 01914607  NMLS# 802745

Rudy Corona
Loan Officer

DRE# 01343760  NMLS# 999113

Ann Gildersleeve
Loan Officer

DRE# 01096516  NMLS# 1180651

Gabe Radford

Gabe Radford
Mortgage Broker

DRE# 01230200  NMLS# 1119924

Drew Hardesty
Loan Officer

DRE# 01989334  NMLS# 1332878

Henry Munoz
Loan Officer

DRE# 01786680  NMLS# 228855

Andy Elliott
Loan Officer

DRE# 01989622  NMLS# 869322

Chris Turkmany
Loan Officer

DRE# 01821441  NMLS# 356813

Henry Spennato
Loan Officer

DRE# 01252624  NMLS# 338909

Onur Coskun
Loan Officer

DRE# 01893073  NMLS# 322100

Happy Clients

Nestor and Karen Alvarez
Jorg Wallrabe
Melissa Okabe
John Carmichael
Edgar and Guadalupe Arce
Raymond Strait
Sarkis Haroutunian
Pauline Tanaka
Albert and Carolyn Baum
Jeremy Baker
Don't wait, contact us today for a free mortgage check-up!