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SBEL is your solution when...

you need a VA loan expert

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SBEL is your solution when...

refinancing will lower your monthly payments


SBEL is your solution when...

you're purchasing a family vacation home

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 continues to be paid. 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

Meeno Peluce’s Success Story

Meeno Peluce’s Success Story

SBEL is your solution when…you want to get “cash out” of your investment property and the banks say “no.”  …

Client Testimonials

Hear what our happy clients are saying...
  • “Challenging was to say the least. Tom, my lender worked diligently to help me qualify for my new home. I cannot thank Tom and South Bay Equity enough! Dreams do come true!”

  • “A big thank you to everyone at South Bay Equity Lending, especially Matt Hadnett and his team with the purchase of my first home. If there were any questions Matt and his team were quick to answer. They made the process as simple and easy as possible. Thank you to everyone for this check mark on my bucket list!”

  • “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!”

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

  • “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.”

Our Friendly Staff

Matt Hadnett

Matthew Hadnett
Principal, President

BRE# 1319592  NMLS# 313412

Nancy Solorzano

Nancy Solorzano
Loan Officer

BRE# 01404533  NMLS# 326914

Fritz Hoffman

Fritz Hoffman
Loan Officer

BRE# 01942735  NMLS# 570548

John Mills bio picture

John Mills
Chief Marketing Officer

BRE# 01987451  NMLS# 1309923

Tom Hardesty

Tom Hardesty
Loan Officer

BRE# 01813100  NMLS# 824814

Josh Thomas

Joshua Thomas
Loan Officer

BRE# 01914607  NMLS# 802745

Ann Gildersleeve profile

Ann Gildersleeve
Loan Officer

BRE# 01096516  NMLS# 1180651

Gabe Radford

Gabe Radford
Mortgage Broker

BRE# 01230200  NMLS# 1119924


Drew Hardesty
Loan Officer

BRE# 01989334  NMLS# 1332878

Andy final update

Andy Elliott
Loan Officer

BRE# 01989622  NMLS# 869322


Chris Turkmany
Loan Officer

BRE# 01821441  NMLS# 356813

Happy Clients

Meeno Peluce
Adrian and Rebecca Benjamins
Ryan and Shaylee Bushman
Dana Powell
Kathleen Boddy
Robbie and Monica Prescott
Velores and Cardell Thompson
Dan and Noreen Thomas
Alvaro and Miriam Rojas
Larry and Karen Rosolowski
Don't wait, contact us today for a free mortgage check-up!