At South Bay Equity Lending, we create new home loans or refinance existing home loans for you based on your unique financial requirements. Then we find you the best rates available. Our loans are easier to qualify for and our interest rates are competitive. We work with clients that have:

• 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.

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.

• Consolidate your high-interest debt. Consolidate high-interest debt such as credit cards. Your overall monthly payments will be reduced and may even be tax deductible.*
• Get extra cash. Refinancing can give you extra cash for the things you've always wanted to do; like taking that long-deserved vacation, or paying for a college education. It's your choice.
• Home Improvement Loans. Fix the roof, purchase new kitchen cabinets, or remodel to increase the value of your home.
• You'll get your money fast. We close loans in as little as 25 days.†
• 24 hour preliminary approval. You'll know if you qualify in as little as one day when possible.
• We're right in your neighborhood. With our central Southern California location, we combine nationwide strength with the knowledge and friendliness of a local business. Take a 30-day break from payments. Your first payment is usually not due for 30 days or more.
• The care you want. The service you deserve. Your loan officer will take care of you through every step of the loan process - from application to approval.

*See your tax advisor for details. Although your aggregate monthly debt payment may decrease, this loan may increase both your aggregate number of monthly debt payments and the aggregate amount paid by you over the term of the loan. South Bay Equity Lending recommends you consult with a financial advisor before entering into any credit transaction to be secured by your home.

† All loans are subject to credit approval.