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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!

Malaga Bank has been providing competitive solutions for the needs of residents, businesses, and real estate investors since 1985. We offer financing for 1-4, multi-family, and commercial investment properties from Santa Barbara to San Diego and the areas in between.

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.

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

Get started today

dennis mezzo

Contact Dennis Mezzo

Senior Vice President, Loan Production Manager
dmezzo@malagabank.com

T 310-544-7800, ext. 2057

For general questions or comments please email malagabank@malagabank.com.
Please do not send any sensitive or confidential information through this email, such as account numbers or tax ID numbers.

Allow up to 24 hours for a response.

Home Equity Line Of Credit

Use the equity in your home for home improvements or covering unexpected expenses. Call us today to discuss the best financing solution for you.

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

Get started today

Dennis Mezzo

Contact Dennis Mezzo

Senior Vice President, Loan Production Manager
dmezzo@malagabank.com

T 310-544-7800, ext. 2057

For general questions or comments please email malagabank@malagabank.com.
Please do not send any sensitive or confidential information through this email, such as account numbers or tax ID numbers.

Allow up to 24 hours for a response.

Non-Owner Occupied Construction Loans

Whether you’re looking to build a multi-family property or commercial-industrial building, our experienced loan officers are here to help you with the loan process every step of the way. Call us today to get started.

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

Get started today

Mark Smith

Contact Mark Smith

Senior Vice President, Business Banking
msmith@malagabank.com

T 310-544-7800, ext. 2059

For general questions or comments please email malagabank@malagabank.com.
Please do not send any sensitive or confidential information through this email, such as account numbers or tax ID numbers.

Allow up to 24 hours for a response.

Commercial Real Estate Loans

We offer real estate financing for office, retail, light industrial, and construction to permanent with lower rates and longer terms. We know the Southern California market and, as a local lender, we offer local decision making with a commitment to your growth and success.

As a portfolio lender, we can custom-tailor a fixed or adjustable rate loan just for you. Call us today for more details.

  • Owner-User and Investment Properties
  • 25-year Fully Amortized Loans

Equity Line of Credit

Just like a home equity line of credit, we offer revolving lines of credit that allow you to access the equity in your commercial property.

Get started today

Mark Smith

Contact Mark Smith

Senior Vice President, Business Banking
msmith@malagabank.com

T 310-544-7800, ext. 2059

For general questions or comments please email malagabank@malagabank.com.
Please do not send any sensitive or confidential information through this email, such as account numbers or tax ID numbers.

Allow up to 24 hours for a response.

Apartment Loans

We offer apartment loan financing for purchase, refinance and construction. We have the flexibility to structure the right loan for you, and respond quickly, because we make all of our credit decisions right here in the South Bay. Before you consider buying another property or refinancing your existing loan, call us today to discuss the best financing solution for you.

We offer several apartment loan programs with competitive rates and flexible terms.

  • Loans up to $10 Million
  • Interest Only Options Available
  • Prepayment Options Available
  • LLC's, Partnerships, Corporations are Acceptable
  • Fixed (3-10 years) or Adjustable Rates

Equity Line of Credit

Just like a home equity line of credit, we offer revolving lines of credit that allow you to access the equity in your apartment building.

Get started today

Mark Bust

Contact Mark Bustamante

Senior Vice President, Income Property Lending
mbustamante@malagabank.com

T 310-544-7800, ext. 2063

For general questions or comments please email malagabank@malagabank.com.
Please do not send any sensitive or confidential information through this email, such as account numbers or tax ID numbers.

Allow up to 24 hours for a response.

Loan Calculators

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.

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!

Credit Review

In order for our Credit Review Department to conduct its annual review of each income property loan, borrowers will be asked to complete a Property Operating Statement.  A Personal Financial Statement and copy of an updated federal tax return may be required to complete the annual review.

You may use your own forms or you can click on the following links for our forms:

Information can be submitted to the Credit Review Department by mail, email, or fax (please include loan # in all correspndence).

Malaga Bank
Credit Review Department
1460 W. 25th Street
San Pedro, CA 90731
CR@malagabank.com
(310) 831-7610 fax

Should you have any questions, please contact the Credit Review Department directly at

(310) 732-0100
CR@malagabank.com