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

Dana Blankenfeld Success Story

Dana Blankenfeld Success Story

"South Bay Equity Lending just processed the quickest refinance I have ever experienced.  Matt called me back within 10 minutes…

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.”

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

  • 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!

  • “Gabe was incredible to work with! My wife and I are both self employed with complicated tax returns, Gabe reviewed our information and quickly came up with a plan to help us buy our home. Gabe and his staff were on top of the whole process from the first day we met with Gabe to the day we closed escrow. We couldn’t be happier! Gabe was even able to get our loan to close 7 days ahead of schedule which was a big help. I would recommend Gabe to my closest friends and all of my family members. Gabe is knowledgeable and we felt like he really cared about helping us get the home we wanted!” 

  • “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!”

Our Friendly Staff

Matt Hadnett

Matthew Hadnett
Principal, President, Broker

DRE# 1319592  NMLS# 313412

Nancy Solorzano

Nancy Solorzano
Loan Officer

DRE# 01404533  NMLS# 326914

Rudy Corona
Loan Officer

DRE# 01343760  NMLS# 999113

John Burke
Loan Officer

DRE# 02084493  NMLS#  829536

Andy Elliott
Sales Manager

DRE# 01989622  NMLS# 869322

John Mills
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

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

Chris Turkmany
Loan Officer

DRE# 01821441  NMLS# 356813

Henry Spennato
Mortgage Broker

DRE# 01252624  NMLS# 338909

Onur Coskun
Loan Officer

DRE# 01893073  NMLS# 322100

Happy Clients

Nathan Barnard
Veronica Sun
Ash Baron-Cohen
Christine Daniels & Michael Petersen
Jessica Kates
Huy Nguyen
Kevin Brunk
Bill W.
Larry Meyers
Omar Sakr
Don't wait, contact us today for a free mortgage check-up!