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 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.
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.
SBEL is your solution when...you want to purchase your dream home. Situation: Nestor and Karen Alvarez had a dream…
SBEL is your solution when…a successful self-employed entrepreneur would like to re-invest in his business and consolidate some existing debt.…
SBEL is your solution...when you need a lender who can offer creative financing and get a loan approval in a…
“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.”