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

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.

Client Testimonials

Hear what our happy clients are saying...

“John at South Bay Equity exceeded expectations and made the home buying process easy and enjoyable!”

CJ Sun
“Equity is what the reverse mortgage idea is all about. It was important to me to build equity when I was younger. A reverse mortgage allows me to use some of that equity and remove a big cash flow worry as I get to this new level of maturity. The reverse mortgage helped me to simplify my life, and still leave a healthy amount in the estate for later on. I did this because it took away worries and solved a problem. In contract law, time is of the essence. In life, it is timing that is of the essence.”

John Carmichael
“I believe that all Mortgage 2000/SBEL employees are in the business of making our borrowers dreams come true, I am very pleased to report that South Bay Equity Lending team made my dream of refinancing my home come true.”

Lily Arauz
“Thank you so much for getting this done quickly and efficiently. I highly recommend Tom Hardesty and Laura Saucedo to anyone who needs to refinance. They are a great team.”

Anson Chiang
“My fiance and I had a great experience working with Andy and the team at SBEL! We were purchasing our first home and had no idea where to begin, and Andy helped us out every step of the way. Other than having to gather our personal documents, we didn’t have to lift a finger. I highly recommend working with SBEL when buying your next home! ~Caitlin S.

Caitlin Svahn