REAL ESTATE LOANS


Malaga Bank is a portfolio lender. What does that mean to you?

We do not sell our loans to other banks or out of state loan servicers. Decisions are made locally, so we can be flexible and creative with our loan rates and terms.

We have a wide range of standard loan products, but our niche is customization, creativity and sensible lending. This includes making real estate loans to corporations, partnerships, limited liability companies and trusts. Our goal is to meet your borrowing needs and exceed your expectations. Let us custom tailor a loan to meet your needs today!

Residential Loans

We like to say we only offer one loan product, the one that's right for you. That's especially true of our residential loans. We offer a variety of fixed and adjustable rate loans, plus the flexibility that comes from being a portfolio lender.

  • Loans up to $4 Million
  • 1-4 Unit Non-Owner Occupied/Investment Property
  • LLCs, Partnerships, Corporations acceptable
  • No Maximum Property Limits
  • Exceptions Considered Case by Case

Get started today: Contact a Loan Officer

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Home Equity Line Of Credit

  • Lines up to $1 Million
  • Adjustable Rate Floats with WSJ Prime
  • Advances Made by Check
  • Preferred Pricing for Malaga Bank Depositors

Call your local branch today!

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Construction Loans

Malaga Bank has been helping people with construction loans for over 25 years. We realize it's about more than interest rates. It's about helping you build the home of your dreams. Our dedicated loan officers are here to help you with the loan process every step of the way.

  • Loans up to $10 Million
  • Competitive Rates and Terms
  • Construction to Permanent Financing Available
  • In-house Voucher Disbursement

Get started today: Contact a Loan Officer

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Commercial Real Estate Loans

Malaga Bank offers real estate financing for office, retail, light industrial, and construction to permanent with lower rates and longer terms in Southern California. As a portfolio lender, we can custom tailor a fixed or adjustable rate loan just for you.

  • Owner-User and Investment Properties
  • 25-year Fully Amortized Loans
  • No Point Option

Get started today: Contact a Loan Officer

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Apartment Loans

Malaga Bank offers several apartment loan programs with competitive rates and flexible terms.

  • Loans up to $10 Million
  • No Point Loans Available
  • Fixed (1-10 yrs) or Adjustable Rates

Additional Advance Loan Program
Get the loan you need now, and get additional advances under the same loan later when you need it and you only pay fees on the new money.

Apartment Equity Line of Credit
Just like a home equity line of credit, this is a revolving line of credit that allows you to access the equity in your apartment building.

Get started today: Contact a Loan Officer

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Loan Calculators

These financial calculators require a small download for them to run.

Rent vs. Buy

Should you rent or should you buy your home? It takes more than looking at your mortgage payment to answer this question. This calculator helps you weed through the fees, taxes, and monthly payments to help you make a good financial decision. Click the "View Report" button for a detailed look at the results.

To calculate - Click Here

Mortgage Payoff Calculator

How much interest can you save by increasing your mortgage payment? This financial calculator helps you find out. Click the "View Report" button to see a complete amortization payment schedule, and how much you can save on your mortgage!

To calculate - Click Here

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Loan Officers

At Malaga, we have experienced loan officers who are specialists in specific types of loans, and are committed to being there for you through the entire loan process. Call today to discuss your loan needs.

APARTMENT, COMMERCIAL REAL ESTATE AND CONSTRUCTION LOANS

Mark Bustamante
Senior Vice President, Income Property Lending
T 310-544-7800 ext. 2063

Kenneth A. Johnson
Vice President, Income Property Loan Officer
T 310-544-7800 ext. 2061 C 310-617-6446

RESIDENTIAL LOANS

Dennis Mezzo
Vice President, Residential Loan Production
T 310-544-7800 ext. 2057 C 714-742-7062

Russ Ciezata
Vice President, Home Loan Specialist
T 310-544-7800 ext. 2054 C 310-748-6309

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