SBEL is your solution when…

  • You own a home and want to learn if refinancing will lower your monthly payment.
  • You are thinking of buying a home and want to learn about loan options.
  • It’s time to access some of the equity in your home.
  • You want a mortgage that pays off your home faster.
  • You are interested in adding a home equity line of credit to do some improvements or re-modeling.
  • It’s time to consolidate your debt by rolling it into a lower interest home loan.
  • Real estate is an investment opportunity.
  • You have the opportunity to improve your cash flow through a reverse mortgage loan.
  • A commercial loan is needed to grow your business.

When other lenders can’t do it, SBEL can.

Loan Products Offered

  • Residential
  • Commercial
  • Conventional
  • FHA and VA Loans
  • Reverse Mortgage Loans
  • Fixed Rate Loans
  • Adjustable Loans
  • Investment
  • Lines of Credit
  • Jumbo Loans
  • Asset Depletion Loans
  • Hard Money Loans
  • Foreign National Programs
  • HARP Loans
  • Stated Income
  • Hard to Prove Income (NIVA)
  • Mixed Use Property
  • 2nd and 3rd Mortgages

SBEL has the relationships to get your loan done when others can’t.  Being both a mortgage broker and a mortgage banker, SBEL has the flexibility and resources to accomplish what other lenders can’t.

South Bay Equity Lending delivers very competitive pricing and superior customer service.

It’s a locally owned business and part of your community.

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.  SBEL is both a mortgage broker and a mortgage banker with access to its own warehouse lines.

  • High Loan-to-Value Financing. We will work with you to identify the best alternative for your unique situation.
  • Hard to prove income. We have home loans that don’t require traditional income documentation.
  • Too much existing debt. Conventional lenders will turn you down if they think you have too much debt. At South Bay Equity Lending, our flexible lending standards let us look at you as an individual.
  • Less-than-perfect credit. We specialize in debt consolidation even if your credit is not perfect. You’re not alone. We can help.
  • Bankruptcy or Foreclosure. Even if you’ve had a bankruptcy or foreclosure in the past, we’ll work hard to help you get the cash you need.
  • Jumbo Loan Experts