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

SBEL is your solution when...

you want "cash out" from an investment property.

SBEL is your solution when...

refinancing will lower your monthly payments

SBEL is your solution when...

you want the security of a 30 year fixed loan.

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...

“I truly appreciate how you got that loan closed when no one else could! I’ll make sure I spread the word on how great and quick you work! Thank you again.”

Dana Powell
“YAHOOOOOOOOOOO…….you guys continue to put smiles on our faces”

Jeff Kronfly
“We would like to thank you for making our whole refinance experience effortless. Personally I used to cringe at the word “refi”, but now after my second refinance with you, I don’t feel that tense feeling anymore when considering refinancing my loans. You and your staff were on the ball the whole way through the process and responded to our needs and questions quickly and efficiently. We especially appreciate the personalized service of coming to our house to sign the final documents. That is great customer service. We have recommended you several times to friends and family and each person that used your company has had great responses after doing business with you. We will continue to recommend your mortgage loan services. Thank you again for taking great care of us during the refinance of our home loan. We look forward to working with you and your staff again.”

Greg Podegracz
“While in the process of purchasing my condo, the mortgage broker I was using fell through on the financing and I had no choice but to pay all cash. I contacted South Bay Equity Lending and they were able to get 70% of my cash back through a cash-out delayed financing deal to convert the purchase into a mortgage. The process was quick and smooth, and Matt and Kyle were great to work with. I’d recommend them to anyone looking for home financing and want someone who will have their best interest in mind, as well as great customer service.”

David Herrmann
“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!”

Juan Mansilla