Kronfly family

SBEL is your solution when...

you want to take cash out for some remodeling.

Andy, Jorg & Matt

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

Test Success Story….

Test Success Story….

"Matt Hadnett and the entire team and South Bay Equity Lending really went above and beyond to answer all of…

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

  • “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!”

  • “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”

  • “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.”

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

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

Rudy Corona
Loan Officer

DRE# 01343760  NMLS# 999113

John Burke Loan Officer

John Burke
Loan Officer

DRE# 02084493  NMLS#  829536

Ann Gildersleeve
Loan Officer

DRE# 01096516  NMLS#  1180651

Gabe Radford
Mortgage Broker

DRE# 01230200 NMLS# 1119924

Ashley Perez
Loan Officer

DRE# 01989334 NMLS# 1332878

Onur Coskun
Loan Officer

DRE# 01893073  NMLS# 322100

Omar Ajanovic
Loan Officer

DRE# 02064665  NMLS# 1565130

Andy final update

Andy Elliott
Sales Manager

DRE# 01989622  NMLS# 869322

John Mills

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

Chris Turkmany
Loan Officer

DRE# 01821441  NMLS# 356813

Drew Hardesty
Loan Officer

DRE# 01989334 NMLS# 1332878

Henry Spennato
Mortgage Broker

DRE# 01252624 NMLS# 338909

Bill Braun
Loan Officer

DRE# 01893073 NMLS# 322100

Happy Clients

Test Client
Salina Wong
Jeff Sabol
Jim Sepanek
Chelsea Trooper
Jim McKechnie
Kimberlee Benz
Maryam Rasouli
Nathan Barnard
Veronica Sun
Don't wait, contact us today for a free mortgage check-up!