Business Details
28 Years
experience
Your Trusted Mortgage Broker in Redondo Beach, CA
South Bay Equity Lending (SBEL) has been a trusted mortgage brokerage firm since 1998, specializing in real estate secured loans for diverse financial situations. Our team combines 50 years of consumer lending experience with relationships across 70 lenders to deliver tailored solutions for clients facing unique challenges. We operate as both a mortgage broker and banker, leveraging our own warehouse lines to facilitate complex transactions. Our headquarters in Redondo Beach, California, serves as the foundation for nationwide lending capabilities, blending local expertise with national resources. We prioritize ethical practices, community engagement, and innovative approaches to mortgage financing. Our services span conventional and government-backed loans, debt consolidation, reverse mortgages, and specialized programs for non-traditional income verification.With a focus on timely communication and no upfront fees, we maintain a customer-driven approach that has earned consistent industry recognition. Our team of seasoned professionals, including certified loan officers and mortgage brokers, ensures personalized guidance throughout the lending process. We specialize in assisting clients with credit challenges, bankruptcy histories, or high debt-to-income ratios. Our commitment to transparency and client education has made us a preferred choice for first-time homebuyers and experienced investors alike.
Services
Mortgage Loans
Refinancing
Reverse Mortgages
Debt Consolidation
Jumbo Loans
Asset Depletion Loans
Hard Money Loans
Investment Property Loans
Government Loans
Commercial Mortgages
Details
- Year established: 1998
Highlights and features
- We offer 50 years of combined consumer lending experience
- Our team maintains relationships with 70+ lending institutions
- We provide personalized guidance for complex financial situations
- We guarantee timely communication with no upfront fees
- Our professionals specialize in non-traditional income verification loans
What people say
Phenomenal service
Exceeded expectations
Consummate professional
Dedicated support
Timely approvals
Services
Mortgage Loans
We specialize in conventional mortgage loans for primary residences, investment properties, and commercial real estate. Our services accommodate clients with varying credit profiles, including those with bankruptcy histories or non-traditional income documentation. With access to 70+ lenders, we secure competitive rates for jumbo loans, fixed-rate mortgages, and specialized financing programs.
Reverse Mortgages
Our reverse mortgage solutions enable homeowners aged 62+ to convert home equity into tax-free cash while maintaining property ownership. We guide seniors through HUD-approved programs that provide monthly payments, lump sums, or credit lines without requiring monthly mortgage payments, ensuring continued property tax and insurance compliance.
Debt Consolidation
We help clients reduce monthly payments by consolidating high-interest debt through mortgage refinancing. Our programs allow cash-out refinancing for debt elimination, home improvements, or major purchases while offering potential tax deductions for qualifying borrowers.
Asset Depletion Loans
Designed for clients with significant assets but non-traditional income, these loans use bank statements and investment portfolios to qualify borrowers. We specialize in documenting income through asset depletion calculations for self-employed individuals and business owners.
Hard Money Loans
We provide expedited hard money loans for real estate investors and borrowers needing quick closings. These short-term, collateral-based loans work for property flips, construction projects, or situations requiring rapid funding when traditional financing isn't feasible.
People
Matthew Hadnett
Principal, President, Broker
With over two decades leading South Bay Equity Lending, Matthew combines executive leadership with hands-on mortgage expertise. His industry knowledge and commitment to ethical lending have driven the company's growth since 2001.
Gary Matsumoto
Loan Officer
Specializing in complex loan scenarios, Gary has earned multiple client accolades for his dedication to finding creative financing solutions. His personalized approach ensures clients receive optimal mortgage products tailored to their unique needs.
John Mills
Loan Officer
Recognized for his consultative approach, John guides first-time homebuyers and investors through the mortgage process. His market expertise and efficient service have resulted in numerous successful transactions and client referrals.
Todd Bugbee
Mortgage Broker
As a seasoned mortgage broker, Todd focuses on building long-term client relationships through transparent communication and comprehensive financial assessments. His industry knowledge spans conventional and specialty loan programs.
Nancy Solorzano
Loan Officer
Fluent in Spanish, Nancy specializes in serving diverse communities with personalized mortgage solutions. Her bilingual capabilities and local market knowledge help clients navigate the lending process with confidence.
Questions
What mortgage loan options do you offer?
We provide conventional, government-backed (FHA/VA), jumbo, reverse, and specialty loans including asset depletion and hard money programs for unique situations.
Can I qualify with less-than-perfect credit?
Yes, we specialize in helping clients with credit challenges, bankruptcy histories, or high debt-to-income ratios secure mortgage financing through alternative lending programs.
How quickly can you close a loan?
Our fastest closings occur in 25 days, with preliminary approval available within 24 hours through our streamlined underwriting process.
Do you offer refinancing options?
Yes, we provide cash-out refinancing for debt consolidation, home improvements, or major purchases with potential tax deductions for qualifying borrowers.
Are reverse mortgages available?
We offer HUD-approved reverse mortgages for seniors aged 62+, allowing equity conversion without monthly payments while maintaining property ownership.
Do you serve non-English speaking clients?
Yes, we have three fluent Spanish-speaking loan officers to assist with bilingual mortgage guidance and documentation.
