SBEL is your solution when…you would like to lower the rate on your first mortgage and also get a home equity line of credit.

Situation: Sandy had a first mortgage with an old rate that could now be improved. She also wanted to add a home equity line of credit (HELOC).

SBEL Solution: Sandy connected with her long-time partner at South Bay Equity Lending, Joshua Thomas. Josh had worked with Sandy twice in the past to deliver the mortgage products she needed at the time. Josh secured a lower rate on her first mortgage and also got Sandy the HELOC she wanted.

“I have worked with Josh thru 3 refinances of my mortgage. He is so understanding, patient and explains everything to you as the process goes along. Always willing to answer ALL you may have. No question is stupid. I highly recommend Josh for all your mortgage needs.” – Sandy S.


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