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

Jorg Wallrabe’s Success Story

Jorg Wallrabe’s Success Story

SBEL is your solution when…a successful self-employed entrepreneur would like to re-invest in his business and consolidate some existing debt.…

Client Testimonials

Hear what our happy clients are saying...
  • “SBEL took a chance on us and because of this; we can now finish the project we started. Thank you SBEL for believing in us when it seemed like no one else did.”

  • “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!”

  • “Everything about being a first time home owner is terrifying, but with the help of Matt and Andy, we can honestly say that buying our first house was one of the easiest things we have ever done. The pleasure was all ours working with them. Andy kept in touch with us every day, teaching us about the process, updating us on the status of the purchase, and most importantly giving us reassurance during a time that was both exciting and frightening. This made us feel at ease and not overwhelmed unlike the stories we have heard from our friends during their house buying process. The gratitude that we have for this company is inestimable. We can’t believe everything went so smoothly! We highly recommend anyone looking to purchase or refinance to go with South Bay Equity Lending. We will surely use them again in the future. Thank you South Bay Equity Lending, you all played a huge part in making our dreams come true.”

  • “South Bay Equity Lending was recommended to me by a longtime trusted business associate and has been an advisor of sorts since the opening of my company in 2005. As a business owner, I was finding it hard to finance some long term projects and needed a different approach. I noticed that banks were not looking at the whole business, holistically, not taking into account 14 years of success and the way our cash flow traditionally works for us. In our business, there are some calendar months that are slow, and the traditional banks could not get past this, even though we could show our profits and the incoming payments from our long term clients that are always forthcoming after these slower months. South Bay was able to show lenders that we are prime candidates for the loans we were going for. The South Bay team are some of the most friendly and professional people I have ever met – they definitely look at the long-term business relationship and really care about their clients’ success – their record speaks for itself. I will continually recommend this company to anyone that will listen!”

  • “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.”

Our Friendly Staff

Matt Hadnett

Matthew Hadnett
Principal, President, Broker

DRE# 1319592  NMLS# 313412

Nancy Solorzano

Nancy Solorzano
Loan Officer

DRE# 01404533  NMLS# 326914

Fritz Hoffman

Fritz Hoffman
Loan Officer

DRE# 01942735  NMLS# 570548

John Mills
Chief Marketing Officer, 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

Rudy Corona
Loan Officer

DRE# 01343760  NMLS# 999113

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

Henry Munoz
Mortgage Broker

DRE# 01786680  NMLS# 228855

Andy Elliott
Loan Officer

DRE# 01989622  NMLS# 869322

Chris Turkmany
Loan Officer

DRE# 01821441  NMLS# 356813

Henry Spennato
Mortgage Broker

DRE# 01252624  NMLS# 338909

Jim Marley
Loan Officer

DRE# 02064312  NMLS# 595907

Onur Coskun
Loan Officer

DRE# 01893073  NMLS# 322100

Happy Clients

Debbie Droste
Nestor and Karen Alvarez
Jorg Wallrabe
Melissa Okabe
John Carmichael
Edgar and Guadalupe Arce
Raymond Strait
Sarkis Haroutunian
Pauline Tanaka
Albert and Carolyn Baum
Don't wait, contact us today for a free mortgage check-up!