“Chris and his team at South Bay Equity Lending are phenomenal. My wife and I initially were preapproved with a large bank as our lender and were beyond excited to finally enter escrow for our dream home. Unfortunately, the bank treated our file as another number and was unable to meet our loan deadline. Our file was being pushed around to different departments in a queue without any clear timeline nor explanation. We were stressed about losing the sale and our deposit until we met Chris. Chris was transparent, diligent, and efficient. From the start, he walked us through the entire process and was empathetic to our situation. Chris and his team helped us prepare all the supporting documents so that underwriting had all the information to finalize and fund our loan within the five business days! Chris did an incredible job in saving our deal and allowing our family to move into our dream home!

In hindsight, my wife and I were desperate and likely vulnerable to someone taking advantage of the situation, but not Chris. He was honest and despite our situation, he gave us the best deal we could have in terms of interest rate.

Shortly after my family and I moved in, Chris visited our home and dropped off a thoughtful housewarming gift. With Chris we were not just another loan to process, we are a family reaching for their dream.
If you are in the process of buying a home and considering all lending options, we wholeheartedly recommend Chris and his team!!!”

– Hugo & Karen M

“I worked closely with Chris and South Bay Equity Lending to secure a loan for a family member after multiple lenders had turned it down. From the start, Chris was communicative, understanding, and determined to find a solution. Despite numerous challenges, he navigated the process with expertise and persistence, ultimately getting the loan closed. His dedication made all the difference, and I highly recommend Chris to anyone facing a difficult loan situation.”
– Sean. C

“Todd is the consummate professional. He took the time to understand my financial needs and family situation (toddler and newborn on the way), ensuring I was in the best possible position—even if that meant referring me to someone outside his business. Despite this, Todd remained a valuable guide throughout the process, offering expert advice and support at critical moments. His dedication to doing what’s best for his clients speaks volumes about his integrity and expertise. If you’re looking for someone who genuinely has your best interests at heart, Todd is your go-to guy!”
– Jenien & Jared S.

“First and foremost, Thank you, Gary! I cannot begin to thank Gary Matsumoto at South Bay Equity enough for all his hard work and dedication he has given to my first home purchase. I couldn’t have asked for a better, more qualified loan officer to handle my purchase. His wealth of knowledge and professionalism made this transaction that much more enjoyable. His game plan went on without a hitch. Yup, he’s just that good! So I knew, without a doubt, Gary is going to be my GO-TO loan officer from here on out! I look forward to working with you and your team on future purchases! Thank you and your team Gary! I appreciate all the hard work.”
– John C.